Tracy E. Callwood

34 Flips | 6 Magazines | 39 Likes | 3 Following | 2 Followers | @BizGal98 | Keep up with Tracy E. Callwood on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Tracy E. Callwood”

Can You Retire With Less Than a Million Dollars?

One million dollars is often cited as the amount that most people should use as their benchmark when trying to figure out how much they need to save for retirement. But you may be able to retire on less than a million dollars, depending on your financial situation. While having a lot of money in …

7 Brutal Life Lessons Everyone Has to Learn Multiple Times

How many times does it take, really?<p>How many times does it take to learn the same lesson?<p>Life is not a checklist. It is a practice. The thing with knowledge is that it can decay if left ignored--and that goes for anything. Just because you did it once does not mean it won't happen again. Or just …

16 Telltale Signs You Really Did Marry the Perfect Person

You already know the standard qualities for a great relationship--but there are others.<p>At some point in every marriage the person you felt you couldn't live without becomes the person you actually do live with--and that's when you really find out if you married the right person.<p>By no means are the …

Self-improvement

Here are the top jobs in the next decade

Are you a job seeker looking to play a very ambitious long game?<p>While the automation potential of many jobs today is undoubtedly high, we also know that technology is going to create many new positions that we never could have imagined.<p>Instead of fighting automation, the enterprising job seeker …

9 signs people see you as a great leader

In the movies, amazing leaders can frequently be seen making life-changing speeches — sometimes whilst riding a horse back and forth before a mass of armored, sword-wielding soldiers.<p>In real life, leadership is a much quieter trait. In fact, you may not always even realize that others see <i>you</i> as a …

Nelson Mandela

7 Things Steve Jobs Said That You Should Say Every Single Day

What you do is based on what you think. So borrow a few thoughts from Steve.<p>He came, he saw, he conquered...and he left behind some words to live by:<p><b>1. "Innovation distinguishes between a leader and a follower."</b><p>Ideas without action aren't ideas. They're regrets.<p>Every day, most people let hesitation …

Working Full-Time Could Be Bad For Your Brain After a Certain Age

We knew it.<p>Working long hours Monday to Friday is tough no matter how old you are, but recent research suggests that, if you're over 40, working more …

Graphic Design

Signs You've Found Your Life Partner

We've been socialized to swoon over flowers, chocolates, and other romantic gestures. "But romance only takes a relationship so far," says Toni Coleman, psychotherapist and relationship coach. "Successful relationships happen when we choose with our heads as well as our hearts. In fact, what we …

The Important Reason First Lady Michelle Obama Visited Liberia This Week

Her daughters, Malia and Sasha, joined her for the trip.<p>First lady Michelle Obama kicked off her latest international trip on Monday with a stop in Kakata, Liberia, in order to visit a local leadership camp for girls and to encourage the young women there to stay in school.<p>Along with stops in …

How close we are to slavery: America’s horrible legacy still deeply runs through the nation’s veins

<b>Lulu Williams (Jack Shuler)</b><p>For Lula Williams, America’s worst period isn’t ancient history — her grandmother was a slave<p>Jack Shuler<p>June 19, 2016 10:00am (UTC)<p>As a child growing up in South Carolina, I was keenly aware of how close I was to the history of slavery. It was all around me — in the fact …

Are you on track for retirement? Do the math

What should I have for dinner tonight? What movie should we go see? Where should we go on vacation this year? Many questions in life are relatively easy to answer. But if you’re wondering, “Am I on track for retirement?” it may quickly turn into a frustrating exercise.<p>To know the answer, you also …

Retirement

3 strategies to fund your child's college education

Bills to pay, retirements to be funded, big purchases to be saved for: The financial demands most families face can make saving for a child's college education seem overwhelming or even unattainable. But with some planning, it doesn't have to be.<p>Here are three flexible strategies that can help you …

Personal Finance

How To Choose The Best Kitchen Cabinets

From metal to wood, these are the best picks for your newly renovated kitchen.<p>Hungry for a kitchen update? Cabinetry can transform the space. And there's a cornucopia of options to meet aesthetic and budgetary needs, says Mark Karas, the president of the National Kitchen & Bath Association and …

The 5 Essential Qualities of a Great Leader

The best leaders exhibit certain traits that make them hugely successful. Embrace these qualities and be a great leader, too.<p>Being a good leader isn't easy. While a leader's actions may be scrutinized when things are going bad, it is their leadership qualities that shine through the worst of times. …

Stephen King Used These 8 Writing Strategies to Sell 350 Million Books

The best-selling novelist shares his secrets to selling so many books.<p>Stephen King is one of the most prolific and commercially successful authors of the past half century, with more than 70 books of horror, science fiction, and fantasy to his name. Estimates put the total sales of his books at …

How to Be Happy: 10 Science-Backed Ways to Become a Happier Person

A boatload of research offers practical advice you can use to start being happier today.<p>Science has landed a probe on a comet hurtling through space, wiped smallpox from the face of the earth, and split the atom. Surely research can come up with a few ways to make humans happier.<p>Thanks to the …

11 skills that are hard to learn but will pay off forever

That's especially the case when it comes to learning important life skills.<p>To ascertain which talents are worth the investment, one Quora reader posed the question: "What are the hardest and most useful skills to learn?"<p>We've highlighted our favorite takeaways.

Flickr

Schools Warned On Speech Services For Kids With Autism

Federal education officials are reminding schools not to skimp on needed speech and language services for children with autism.<p>In a letter to states, …

Autism

Airfares Will Drop to Record Lows This Fall

A Justice Department investigation into airline collusion, sinking fuel costs and softer demand could push domestic airfares to record lows next …

10 Tough Truths about Your First Year of Teaching - Brilliant or Insane

A few weeks ago, I attended a retirement luncheon for a close teacher friend of mine whose daughter recently accepted her first teaching position. As …

How Your Music Choices Affect Your Productivity [Infographic]

Are you listening to music while you read this? If so, know that listening to certain genres can affect your productivity.<p>"People listening to music …

10 Things Introverts Do Which Make Them Productive

Everyone procrastinates. Since the dawn of time, people have been putting things off.<p>Sometimes, procrastinating is harmless. Take for instance the …

Procrastination

The Life-Changing Magic of Block Scheduling :: Part 2

WAIT! HANG ON! If you’re just joining us, be sure to read Part 1 of this (epically long, but super useful) post on Block Scheduling. It’ll be worth …

13 ways successful women make the most of their time

Balancing work and family life can seem impossible, particularly for women with children and ambitious career goals.<p>But it is possible to “have it …

How to dress: goodbye skinnies, hello slim boyfriends

Were the aliens to land this summer, they would no doubt be puzzled by one aspect of our society above all others. Namely: why do humans wear such …