T R Hardman

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Use Dividend Income To Save Your Retirement

Using the best dividend payers can help you retire stress-free.<p>Bond yields are not enough for the majority of people who want to retire. There is a …

Retirement

How much do you need to retire? A new type of calculator has an answer

These three calculators incorporate economic, actuarial and sophisticated financial-planning models<p>If you've ever tried to determine how much you should save for retirement, you might have turned to online calculators of the type provided by banks and investment firms. Those tools could be doing …

Retirement

10 Key Habits of World-Class Money Savers

Americans, in general, not only aren't good about saving money, but they're also actually fairly indifferent about being financially frugal. …

Retirement

A sweet, classy watch for 79 percent off? I'd buy it.

It's time.<p>Picking a watch is difficult. Do you want a smart watch, one with metal links, one with a digital face? Minimal? Decorative? Themed?<p>A few years ago I stumbled across a watch. It was this watch. I bought it. I've loved it for a few years. Now, it's on sale.<p>The Stuhrling Original Classic …

Smartwatches

6 Savory Overnight Oat Recipes that Will Rock Your Morning

As self-proclaimed breakfast enthusiasts, we feel a special kinship to overnight oats and recognize that their potential is vastly undervalued. It’s …

Breakfast

How to calculate your 'fitness age,' according to the scientist who created it

To officially calculate your fitness age, you’ll need to fill out a questionnaire devised by exercise scientist Ulrik Wisløff at <i>worldfitnesslevel.org</i>.<p>…

24 Investing Statistics

As a CFP®, I'm constantly in contact with investors who develop ideas and opinions about the stock market. I understand their angst. I too struggle …

I Started a Lazy Bullet Journal and It Low-Key Changed My Life

If you've never heard of a bullet journal, let me fill you in. The idea: You have one notebook that works as a to-do list, diary, and habit tracker. …

Fitness

I Stopped Always Putting My Kids First—Here's What Happened

Maybe the key to being a better parent is a dose of selfishness.<p>I committed the cardinal sin of parenting.<p>I stopped putting my kids first all the time.<p>It was a long road to get to the point where I can feel comfortable saying that. But the reason I'm okay with admitting this out loud now is because …

Parenting

Your definitive plan for getting rid of acne (once and for all)

I’ve said it before and I’ll say it again: Fighting acne is not just a topical situation (unfortunately). From what you put in your breakfast …

Do These 13 Things Every Day and You Will Lose Weight

It took you months or maybe even years to put on the extra weight you're ready to say goodbye to, so don't expect to lose it overnight. It's the small, healthy decisions you make every day that will bring you closer and closer to your goal.

Nutrition

Easy Trick To Tie Shoelaces: Mum Shares Hack For Parents Of Kids Who Are Struggling

'Ingenious!'<p>A mum filmed her son demonstrating a trick to tie his shoelaces, which he learned because he had previously been unable to do them …

Parenting

The Very Best Way to Build Your Chest

9 Experts Drop Their Most Effective Tips<p>The Question<p>What's the single best way to build chest?<p>Michael Warren – Strength Coach and Performance …

Challenge Yourself With Some Simple DIY Storage Ideas

A well-organized home is also a comfortable one. Having enough storage for everything offers a really nice sense of accomplishment and only in time …

These 8 simple rules are the Sparknotes version of everything you need to know about personal finance

To help you get started, we turned to the latest edition of Beth Kobliner's book "Get a Financial Life: Personal Finance In Your Twenties and Thirties," due for release in April. At the start of her book, Kobliner offers a cheat sheet of eight "need-to-know" personal finance basics.<p>"No kidding …

Personal Finance

Why this works better than the 4 percent rule for retirees

Figuring out how much you need to save for retirement is a moving target. Save too little, you run out of money in old age. Save too much, you end up …

Retirement

Three money numbers you need to know

This article is reprinted by permission from NerdWallet.<p>Some numbers matter more than others. How much you make is important, for example, but your …

Retirement

300 Swings a Day for Faster Fat Loss

<b>Would you like a simple way to cut fat?</b> If so, then gather round and let me tell you this tale, it would do you none finer. It is about the …

Fitness

10 Things to Know About Money Before You're 30

Are you a financial 'adult'?<p>Among the countless stereotypes about young people is the belief that they manage money poorly.<p>Indeed, studies find that …

Personal Finance

9 ways to create the perfect hygge home

Temps have hit the mid-teens. The sky seems to have a constant gray filter—even when it’s not snowing. And daylight? Yeah, that’s become a scarce …

Five books for children that adults must read

Better still, read them before you pass them on to the children.<p>I don’t know about you, but there comes for me every year, without fail, a few weeks …

Why The Most Productive People Do These Six Things Every Day

The secrets behind four-minute meetings and scrapping your to-do list.<p>Of all our available resources, everyone has the same number of hours in a day. Some, however, happen to get more done. Are they faster or smarter? Do they have more help? Perhaps. But they’ve also learned tricks that can help …

Time Management

The Reward Chart That Changed Everything In My House

Right when we become fooled into believing that we have mastered a certain tricky stage in our child’s development, a new one smacks us right in the …

Parenting

37 Seriously Amazing Tips Every Clean Freak Needs To Know

Everything you need to know (or buy) to make your house spotless!

Meet the New Workout You'll Be Begging to Come to Your City

You can do anything for 30 seconds. Seriously! It doesn't matter if it's the fastest sprint of your life, a set of box jumps, or a rip on the rowing machine; 30 seconds is manageable for pretty much anyone.<p>That's the idea at Speedplay — one of the most fun, challenging, and dynamic workouts I've …

This Spreadsheet Calculates When You'll Pay Off Debt With the Snowball Method

The snowball method is the best way to pay down your debt. If you’re skeptical and want to see how it will work, this spreadsheet will calculate …

Personal Finance

Man cuts out alcohol and coffee for two years and this is what happened

Thousands of people are three days into a Dry January, the tedious annual ritual of skipping all alcoholic drinks for 30 days.<p>But what happens if you …

Alcohol

50 ways to accelerate your weight loss

The average man's body houses 43.2lbs of fat. And at any one moment, that number is either increasing or decreasing—it's never stagnant. Spend more …