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How to Legally Get Your Cable and Phone Bills Paid for Free!

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If you’re always worrying about money, then it will be near impossible to achieve “total mind and body fitness”, which as you know, is what we are all about here at FitBuff.com.

You know how your cable and/or phone bills seem to come about 31 times a month, instead of just once? Every time you open the mail there’s a $100 Comcast bill (or insert your cable company) and a $60 Verizon bill (or insert your carrier). Well, unfortunately, Comcast and Verizon, along with all of their brother and sister companies, aren’t really concerned about your financial woes. They just want you to keep paying for their modern “essential” services, and if you don’t, then you will be missing the latest episode of Lost and have no phone service to call anyone to find out what happened!

To keep that awful tragedy from occurring, I have devised a plan to take care of these bills, without having to bring in “Joey the Shady Cable ‘Repair’ Man” to rig your system. I’ll confess, my method isn’t actually “free” per se (you should have guessed after seeing “legally” in the title), but I promise it will feel almost as painless.

What You Will Need:

1. A credit/debit card (you can do the same thing with cash, but it’s more cumbersome, and plus it’s 2007, get with the plastic old-timer)
2. An online banking account (if you don’t already have one, chances are that your bank offers one for free)

I got the idea after seeing a Bank of America commercial for a new credit card called “Keep the Change”. What it does is every time you make a purchase with the card, it automatically rounds up to the nearest dollar and transfers the remaining change into your savings account. For example, if you buy a magazine (a health and fitness magazine right? not the ones in the plastic bag) for $5.62, then the card would charge the $5.62 to your checking account and then transfer $0.38 to your savings account. Doesn’t sound like much, but trust me, you’d be amazed how fast it adds up. I thought this was an excellent idea and feature, but if you’re like me, it’s not enough to start cancelling and reapplying for new credit cards. So instead, I integrated the same strategy into a method of my own that I can use with my current card.

I go through my entire day as I normally would, making nearly all my purchases with my debit card. I rarely use cash at all, and my debit card withdraws the money directly from my checking account. I have my checking account and savings account both set up for online banking. So, at the end of the day, while I’m going through emails, etc. before bed, I quickly login to my online bank account, round down to the nearest $10, and transfer that amount to my savings account. For example, if I’ve gone through the day, and when I get home I have $708.37 in my checking account, I transfer $8.37 into my savings account. If there is less than a $5 increment, like $702.89, I usually round all the way down to $690.00 and transfer $12.89. Obviously, you can adjust these numbers and what you round down to based on your budget and spending habits. You may want to only round down to the nearest $5 or all the way to the nearest $20.

Either way, it’s a way to transfer small amounts of money that you will never even miss on a regular basis. At the end of the month, I usually have about $100-$250 that I have transferred using this method. That’s money that I never missed or even realized was gone. If you are still using cash for the majority of your purchases, you could still incorporate this idea into the old-fashioned piggy bank method, but this is primarily for the emerging tech-savvy “plastic-only” online bankers. It’s so much faster, more convenient, and safer over here – come over to our side!

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Want Better Gains? Get a Better Mattress and Start Sleeping Better!

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Sleep isn’t something everyone immediately associates with lean gains. Turns out, new muscle gets built while we sleep! If you aren’t sleeping well then your body isn’t building muscle well. That’s just a fact.

What often slips our awareness is that small sleep disturbances can have rippling effects. If you wake up with a slight sore in your back each morning you’re probably not sleeping well. That slight soreness may indicate improper spinal support, troubling pressure points, or lack of contour support altogether.

What’s scarier is this: if you’ve never had a good night of sleep you wouldn’t even know it! After all, if I were color blind and didn’t know any better I’d assume that was normal perception. You may have been sleeping poorly all these years and not even realized it. Well, fixing that is easier than ever before!

Beds in Boxes

What’s the worst part of getting a new mattress, other than spending all that damn hard-earned cash? Moving it! Some local places will deliver but even then you’re stuck carrying it around your house.

In the past few years, there’s been a silent revolution in the mattress industry that the big guys like Sealy, Serta, and Sleep Number don’t want you to know about. This revolution has been led by mattress brands such as Casper, Leesa, Tuft & Needle, and Nectar Sleep. Never heard of them? Listen up.

These mattress brands started selling their products directly to buyers and cutting out the middleman. No more walking around in those awkward Mattress Firm stores (is it me or do new ones pop up every day?) These mattress brands make, sell, and ship their own mattress. You save, they save, and the best news? These mattresses ship by UPS all rolled-up tightly in boxes about the size of a mini-fridge!

Which Mattress is the Best Mattress?

Bed in box brands have found a way to get quality mattresses to people—hassle-free—for prices that are often 50% less than store brands. That means you can get a $1000 mattress for $500! It’s still just like any other market: there’s a price point for every budget. What’s different with these mattresses is that their price points have a lot less markup!

Websites like Home Refinery have tons of mattress reviews and can help you find the best mattress among many dozens of available choices. Fitbuff isn’t a mattress review website and we’d refer you to others like Home Refinery for more in-depth reviews. What I am prepared to do is offer up my personal opinion on a few different types of mattresses. Again, to find the best mattress of any type you need to check a site like Home Refinery or Consumer Reports.

Memory Foam

You’ve heard of it but have you ever slept on it? Memory foam hit the market with a splash but quickly lost fandom when people realized how damn hot these types of mattresses slept. Newer memory foam mattresses have found ways to cool things down and are worth another look. These are the best mattresses for back pain in most cases and probably the best for us gym rats looking for a deeper sleep.

Latex

Natural latex is used for much more than checking prostates and keeping babies out of your girlfriend’s belly. Natural latex mattresses offer a really responsive and caressing feel, similar to memory foam, but bounce back a bit more. These mattresses are heavy and more expensive but a great choice for all you health nuts out there. If you’re looking for the best mattress for sex then consider a latex mattress. They have a bit more “spring” to them!

Hybrids

These mattresses are usually the best choice for people who aren’t sure what they want. Hybrid mattresses usually have memory foam, latex, and sometimes even weird polymer materials in them. These types of mattresses give you a better overall sense of balance as you sleep. Not balance like “I’m so drunk imaboudda bust it” but more like “I feel like I’m sleeping on a cloud nestled on a trampoline sitting on a soft bed of moss.” They are available with everything other than a personal assistant.

In Closing

We all know that there are no magic pills when it comes to getting shredded. You get out what you put in. However, there are considerations to make such as adequate nutrition and proper sleep. If your body isn’t able to repair itself optimally each night your gains aren’t going to be at their max. So before you start popping sleeping pills or dropping cash on a Swedish massage get yourself a brand new mattress!

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5 Tips for Choosing the Best Location for Your Fitness Center

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A lot goes into building a fitness center and making it a successful business, and your initial instincts are right: One of the things that matters the most is location, location, location. Here are some tips to help you find the one that will work best for you.

1. Figure out what kind of building you need for your fitness center. Do you want your own, stand-alone property, or will you be best served in a building that houses many businesses (like a strip mall or office park)? If you want your own building, make sure you plan to budget for things like making sure the foundation is stable and solid, that all of the wiring is up to code, etc. It’s sort of like buying a house, but for your business. Of course, utilizing space in a shared building has its own set of issues you’ll have to deal with, too.

2. What kind of clientele do you most want to serve? Are you after the wealthy, nobody-seems-to-have-a-day-job types? Are you primarily interested in helping kids? Do you want to limit your clientele to one gender? All of these things factor in when it comes to where you should put your business. For example: If you want to serve business executives, your gym will work far better in your city’s business or financial district than it will if it’s all the way on the outskirts of town.

3. What kind of fitness center do you want to have? Are you going for the “standard” treadmills, elliptical, lots-of-equipment-type of fitness center? Are you going to be building a yoga studio or a center that focuses on fitness through martial arts training? Are you going to be offering Cross Fit or boot-camp-style programs? Each of these different types of fitness has different physical requirements.

4. How easy is it for people to get to your business? If you live in a larger city, make sure you take things like public transportation into account as well as easy freeway access. The harder it is for people to get to you, the less likely you are to build a business that becomes successful. Yes, people do actually take the bus or the train to go to the gym, especially if they believe that your fitness center is worth the trip!

5. Make sure you have enough parking. Why would somebody visit a fitness center whose parking situation forces them to have to walk half a mile from where they parked to your front door? That’s a quick workout right there! There are lots of different factors that go into figuring out how many parking spots you need. A good rule of thumb is to have a parking spot available for each piece of equipment you have (or each mat space, etc.) plus a few extra.

These tips are just the beginning. Try not to worry too much, though—your business will be up, running, and successful before you know it!

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How to Set Goals

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FC Barcelona Vs. Manchester United. In the Champions League soccer finals this year, it was these sides that clashed, and what a one-sided battle it was. Just like 2008, the latter gave up without any complaint, it seemed.

And if there was anyone who stole the show, it was Messi all the way, right from the start of their Champions League campaign.

And the beauty of it all is that they achieved this tough goal of being Europe’s champions by taking little baby steps that begins with the youth at the La Masia, Barcelona’s youth academy. (La Masia means ‘the farmhouse’)

It serves as an excellent example for those who love sport and are willing to put in long years of hard work in order to get to the top. And it’s no different with implementing a workout regime to certain goals either.

Goal Setting

While some people might refer to the phrase ‘the goalposts being moved’ as something that might throw you off guard if you are sticking to a plan, in most cases, these circumstances that are out of your control rarely occur.

Goal setting is not that difficult, really… and can applied to any area of your Life.

Whether it is to increase the amount of money you want to have in your bank accounts, or to pursue a quality education that will change your life for the better. What really matters here is direction and energy (quite literally, in the example of a workout regime) to pursue these goals… and you will get what you want.

One of the best methods to do this is by using the SMART goal setting technique that has been tried and tested now for years.

(Here’s a detailed link which shows you how to use the SMART technique for any goal that you wish to accomplish.)

While this is a more generic solution to the objective of goal-setting, let’s look at a few tips that might help use this technique smartly.

How to Set Goals for Achieving Results (in the case of a workout)

Here are five tips that can help you to set goals that are result-oriented in particular to a workout that has been designed specifically to get you looking fit:

Tip #1: Visualize, visualize, visualize…

Importantly, in being to get a mental picture of how you want to look, it often gives you a clear idea of what you have to work on in order to get there. If you think, “Oh, I’m working out to get fit”… this isn’t enough.

For example, use Arnie’s or another fitness expert pinup for inspiration. That should be a high-standard to work towards…

Tip #2: Be open

Some workouts can give you good results while others are a little slower. Don’t stick to the latter just because that’s the only thing you want to do. Try a new workout or two as you might just like it…

Tip #3: Mapping Progress

This aspect works as motivation as you work towards your goals along the way. Most people give up on working out because they are unable to map progress. If you can do this by checking how you fit into your old clothes or looking at yourself in the mirror, that can motivate you to try harder.

Tip #4: Goals take time

A tree doesn’t grow up in a day but it takes years and years until it begins to bear fruits. Reaching one’s goals is similar to this including workouts as well. Despite all the hoaxes and promises that you might read over the internet, most fitness experts have got that body to die for by putting years of effort in.

Tip #5: Giving up is for losers

This is as good as leaving a job half-done which any boss will not appreciate. So don’t give up. if you want, take a break… but DON’T give up!

In Closing

If you watch the Barcelona players when their on the field, you’ll know that they savor each moment of the game as they continue to make magic on the field. And it’s no different with working out either…

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