T R Hardman

138 Flips | 9 Magazines | 16 Likes | 1 Following | 4 Followers | @TRHardman | Keep up with T R Hardman 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 “T R Hardman”

I've studied happiness for years — here are the 12 best pieces of advice I'm giving my daughter

"Drift" is the decision we make by not deciding, or by making a decision that unleashes consequences for which we don't take responsibility.<p>You go to medical school because both your parents are doctors. You get married because all your friends are getting married. You take a job because someone …

Use Dividend Income To Save Your Retirement

Running out of money in retirement is a dreaded fear by so many of us. In fact, more people fear running out of money than they do of dying.<p>One major …

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 …

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. …

House Bill Repeal Of GST Would Defuse A Ticking Time Bomb For Trust Fund Kids

One of the most important provisions of the House version of Tax Cuts And Jobs Act is the repeal of the Generation Skipping Tax. GST repeal is not getting much attention. The scoring of GST is lumped in with the repeal of the estate tax at $172 billion. The GST has probably not produced much …

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 …

Watches

6 Savory Overnight Oat Recipes that Will Rock Your Morning

When it comes to easy, healthy breakfast options, it's hard to beat a comforting bowl of overnight oats. Here we round up our favorite recipes, with …

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 You Need to Know

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 …

Social Security

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. …

Parents Home

• Pinterest<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 I'm a better parent—and my husband and kids are …

Couscous

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.

Mac and Cheese

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 …

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

Personal finance can be daunting, but familiarizing yourself with basic money concepts— like how to build wealth, stay out of debt, and earn returns on your investments — will, quite literally, pay off.<p>To help you get started, we turned to the latest edition of Beth Kobliner's book "Get a Financial …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

Beverly Hills

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 …