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  • 10 Organizing Books to Help Conquer Your To-Do List

    HomeOrganization_400Crossing items off a to-do list can feel like an insurmountable task. Were you the student who turned in her homework at the very last minute? That same instinct can make it tough as an adult to put away clean dishes right away or get your taxes done on time. These patterns are stress-inducing and if you have them, you probably have a strong desire to change. But relearning ingrained behavior takes persistence and know-how. It’s tough to do it alone.

    Tackle your list once and for all with the help of these books. A little knowledge will go a long way; learning new methods of organization and prioritizing will help you achieve a more calm, productive life.

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    5 Choices: The Path to Extraordinary Productivity

    5 Choices: The Path to Extraordinary Productivity

    by Kory Kogan, Adam Merrill

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    The time management experts at FranklinCovey share their five critical techniques for avoiding distractions and paying focused attention to our most important goals and tasks in our daily lives.Every day brings us a crushing wave of demands: a barrage of texts, emails, interruptions, meetings, phone calls, tweets, blogs—not to mention the high-pressure demands of our jobs—that can be overwhelming and exhausting. The sheer number of distractions can threaten our ability to think clearly, make good decisions, and accomplish what matters most, leaving us worn out and unfulfilled.

    Now FranklinCovey offers powerful insights drawn from the latest neuroscience and decades of experience and research in the time-management field to help you master your attention and energy management through five fundamental choices that will increase your ability to achieve what matters most to you.

    Get 5 Choices: The Path to Extraordinary Productivity
    Get 5 Choices: The Path to Extraordinary Productivity
    Get 5 Choices: The Path to Extraordinary Productivity
    Get 5 Choices: The Path to Extraordinary Productivity
    Get 5 Choices: The Path to Extraordinary Productivity

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    7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home

    7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home

    by Allyson Lewis

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    Forget about ordinary time management—The 7 Minute Solution offers breakthrough time strategies. It is a straightforward, inspirational process filled with innovative ideas, human stories, concrete tools, and the captivating science of how you can truly change your daily habits to be more productive and find deeper meaning and purpose in life. Popular time management speaker and author Allyson Lewis writes: “My life changed forever when I took seven minutes to write down my purpose.” With The 7 Minute Solution, you too can become a different person tomorrow from the person you are today—more energetic, more resilient, and more positive. Learn time strategies to prioritize, organize, and simplify all aspects of your life at work and at home. By breaking down big-picture goals and overwhelming challenges into manageable daily actions, you will find that you are able to achieve more than you ever have before. Using the 7 Minute tools, ideas, checklists, processes, and systems included in this book you will be able to manage your time to focus your attention, to concentrate on your highest-value activities, to dramatically increase your daily productivity with one piece of paper, and to accomplish more in the next ninety days than you ever have before. With plenty of real-life human stories, The 7 Minute Solution’s straightforward, inspirational process and winning techniques will get you from where you are to where you want to be.

    Get 7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home
    Get 7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home
    Get 7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home
    Get 7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home
    Get 7 Minute Solution: Time Strategies to Prioritize, Organize & Simplify Your Life at Work & at Home

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    Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem

    Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem

    by Brent D. Peterson, Gaylan W. Nielson

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    How many countless working hours have you spent on projects, proposals, paperwork, and meetings that felt useless or were ignored or dismissed? Hard work is not the same as real work. Half of the work we do consumes valuable time without strengthening the short- or long-term survival of the organization. In a word, it’s fake. Not only does fake work drain a company’s resources without improving its bottom line, it steals conviction, care, and positive morale from employees, and adds the burden of high turnover, communication breakdowns, and cultural patterns of poor productivity.

    But how can you turn fake work into real work? Internationally renowned business consultants Brent D. Peterson and Gaylan W. Nielson explain how to identify needlessly time-consuming and sometimes difficult tasks (which aren’t always as easy to spot as they seem) and shift your focus toward rewarding work that will achieve results. With more than twenty years of experience, Peterson and Nielson have successfully helped corporations, government agencies, nonprofits, schools, and community groups increase their productivity and retain talented employees by understanding and using their skills on things that actually matter. They illustrate their advice with stories about real world employees who have been trapped by fake work.

    Get Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem
    Get Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem
    Get Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem
    Get Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem
    Get Fake Work: Why People Are Working Harder than Ever but Accomplishing Less, and How to Fix the Problem

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    Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits

    Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits

    by Venkat Ramaswamy, Francis J. Gouillart

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    Apple embraced co-creation to enhance the speed and scope of its innovation, generating over $1 billion for its App-Store partner-developers in two years, even as it overtook Microsoft in market value. Starbucks launched its online platform MyStarbucksIdea.com to tap into ideas from customers and turbocharged a turnaround. Unilever turned to co-creation for redesigning product lines such as Sunsilk shampoo and revitalized growth. Nike achieved remarkable success with its Nike+ co-creation initiative, which enables a community of over a million runners to interact with one another and the company, increasing its market share by 10 percent in the first year. Co-creation involves redefining the way organizations engage individuals —customers, employees, suppliers, partners, and other stake­holders —bringing them into the process of value creation and engaging them in enriched experi­ences.

    Get Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits
    Get Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits
    Get Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits
    Get Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits
    Get Power of Co-Creation: Build It with Them to Boost Growth, Productivity, and Profits

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    The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy

    The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy

    by Chris Bailey

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    Chris Bailey turned down lucrative job offers to pursue a lifelong dream—to spend a year performing a deep dive experiment into the pursuit of productivity, a subject he had been enamored with since he was a teenager. After obtaining his business degree, he created a blog to chronicle a year-long series of productivity experiments he conducted on himself, where he also continued his research and interviews with some of the world’s foremost experts, from Charles Duhigg to David Allen. Among the experiments that he tackled: Bailey went several weeks with getting by on little to no sleep; he cut out caffeine and sugar; he lived in total isolation for 10 days; he used his smartphone for just an hour a day for three months; he gained ten pounds of muscle mass; he stretched his work week to 90 hours; a late riser, he got up at 5:30 every morning for three months—all the while monitoring the impact of his experiments on the quality and quantity of his work.

    The Productivity Project—and the lessons Chris learned—are the result of that year-long journey.

    Get The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy
    Get The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy
    Get The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy
    Get The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy
    Get The Productivity Project: Accomplishing More by Managing Your Time, Attention, and Energy

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    The 5 A.M. Miracle: Dominate Your Day Before Breakfast

    The 5 A.M. Miracle: Dominate Your Day Before Breakfast

    by Jeff Sanders

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    The 5 A.M. Miracle is a resource guide for high-achievers. It is for anyone who has a wild passion for life and is in search of a structured system that will hone those passions, clarify their big goals, and produce real, amazing results.

    Get The 5 A.M. Miracle: Dominate Your Day Before Breakfast
    Get The 5 A.M. Miracle: Dominate Your Day Before Breakfast
    Get The 5 A.M. Miracle: Dominate Your Day Before Breakfast
    Get The 5 A.M. Miracle: Dominate Your Day Before Breakfast
    Get The 5 A.M. Miracle: Dominate Your Day Before Breakfast

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    Getting Things Done: The Art of Stress-Free Productivity

    Getting Things Done: The Art of Stress-Free Productivity

    by David Allen, James Fallows

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    Since it was first published almost fifteen years ago, David Allen’s Getting Things Done has become one of the most influential business books of its era, and the ultimate book on personal organization. “GTD” is now shorthand for an entire way of approaching professional and personal tasks, and has spawned an entire culture of websites, organizational tools, seminars, and offshoots.

    Allen has rewritten the book from start to finish, tweaking his classic text with important perspectives on the new workplace, and adding material that will make the book fresh and relevant for years to come. This new edition of Getting Things Done will be welcomed not only by its hundreds of thousands of existing fans but also by a whole new generation eager to adopt its proven principles.

    Get Getting Things Done: The Art of Stress-Free Productivity
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    Get Getting Things Done: The Art of Stress-Free Productivity
    Get Getting Things Done: The Art of Stress-Free Productivity
    Get Getting Things Done: The Art of Stress-Free Productivity

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    Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction

    Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction

    by Matthew Kelly

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    One of the major issues in our lives today is work-life balance. Everyone wants it; no one has it. But Matthew Kelly believes that work- life balance was a mistake from the start. Because we don’t really want balance. We want satisfaction.

    Kelly lays out the system he uses with his clients, his team, and himself to find deep, long-term satisfaction both personally and professionally. He introduces us to the three philosophies of our age that are dragging us down. He shows us how to cultivate the energy that will give us enough battery power for everything we need and want to do. And finally, in five clear steps, he shows us how to use his Personal & Professional Satisfaction System to establish and honor our biggest priorities, even if we spend a lot more time on some of the lesser ones.

    Get Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction
    Get Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction
    Get Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction
    Get Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction
    Get Off Balance: Getting Beyond the Work-Life Balance Myth to Personal and Professional Satisfaction

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    Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time

    Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time

    by Brian Tracy

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    The legendary Eat That Frog! (more than 450,000 copies sold and translated into 23 languages) provides the 21 most effective methods for conquering procrastination and accomplishing more. This new edition is revised and updated throughout, and includes brand new information on how to keep technology from dominating our time.

    Get Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time
    Get Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time
    Get Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time
    Get Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time
    Get Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time

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    Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want

    Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want

    by Michael Hyatt, Daniel Harkavy

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    Each of us has but one life to live on this earth. What we do with it is our choice. Are we drifting through it as spectators, reacting to our circumstances when necessary and wondering just how we got to this point anyway? Or are we directing it, maximizing the joy and potential of every day, living with a purpose or mission in mind?

    Too many of us are doing the former —and our lives are slipping away one day at a time. But what if we treated life like the gift that it is? What if we lived each day as though it were part of a bigger picture, a plan? That’s what New York Times bestselling author Michael Hyatt and executive coach Daniel Harkavy show us how to do: to design a life with the end in mind, determining in advance the outcomes we desire and path to get there. In this step-by-step guide, they share proven principles that help readers create a simple but effective life plan so that they can get from where they are now to where they really want to be–in every area of life.

    Get Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want
    Get Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want
    Get Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want
    Get Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want
    Get Living Forward: A Proven Plan to Stop Drifting and Get the Life You Want

    The post 10 Organizing Books to Help Conquer Your To-Do List appeared first on Tips on Life and Love.

  • 10 Updated Classics You Need for a Stylish Wardrobe

    jumpsuits wardrobe stapleEveryone knows that a smart wardrobe consists of a few classic pieces that can carry you through seasons—even years. But some of those basics are a bit boring, so we’ve come up with the essential wardrobe and a few substitutes that will be equally as timeless.

    These pieces are still so versatile that you can throw in a flashy accent here or there if you simply can’t resist a trend. Trust me, you will spend less time staring into the abyss of your closet if you have dependable staples to build on.

    Good news: Building a stylish wardrobe is easier than you think and it doesn’t always mean you have to empty your wallet. Yes, you can still shop at Zara or Uniqlo or even H&M—the key is to stop thinking of your clothes as trendy or disposable and think of them as investments. And for all the criticism J.Crew has received for stocking too many wild items, they are still a go-to for some basics.

    Whether your investment is $20 or $2000, you can build a stunning wardrobe by making smart purchases and limiting the silly ones.

    CLASSICS

    The original classics above (clockwise from top left): Black Donny coat (Steven Alan on sale $298); pencil skirt (H&M $13), white shirt (Uniqlo $30); black pants (Theory $275), suede pumps (J.Crew $240); wrap dress (Diane Von Furstenburg $368); blazer (J.Crew $198); jeans (Rag and Bone $147); T-shirt (Zara $20); ballet flat (J.Crew $135).

    Black Coat: A well-made black coat, preferably mid-length, is always a smart investment. You can layer under it for freezing temperatures (wear Uniqlo ultra-light down for added warmth) or wear it alone for moderate weather. For an updated look you might want to try a shorter bracelet sleeve or rather than black, try tweed or herringbone.

    jackets

    Blazer: A versatile blazer is crucial for a timeless wardrobe. But you can also dress up or down and get plenty of wear out of a great denim jacket. Above from left: Blazer $198; denim jacket $128 (both J.Crew)

    J.Crew Matchstick Jean

    J.Crew Matchstick Jean $125

    The Perfect Jeans: OK, there isn’t a replacement for the perfect jeans since you’re always going to need a great pair. Just a reminder: You don’t have to buy outrageously expensive jeans for a well-rounded stylish wardrobe. Levi’s, GAP, and even H&M have great-fitting denim for under $100 and oftentimes under $50. The key is FIT. If you look good it doesn’t matter where you bought them or how little you spent! All our bodies are different so there isn’t one particular style of jean for everyone, but it is safer to avoid styles like the dramatic flare, super skinny, ultra-wide legs, or anything appliqué/jeweled because those tend to look too trendy.

    The Little Black Dress: Of course a basic black jersey dress is a great investment because it can look completely different each time you wear it by adding accessories, a simple jacket, shoes. If you want to update this piece why not try a jumpsuit? It is more fun and the jumpsuit has practically moved into the basics category now so it isn’t a trendy look.

    denim shirt and white

    Crisp White Shirt: You need a classic white button-down. You can wear it with a ball gown (remember Sharon Stone at the Academy Awards circa 1998?) or a pair of ripped jeans and it still looks great! OK sometimes it can look a little stiff…so what about switching your white shirt for a chambray or denim shirt? Denim is a great update and works with anything from a dress to pencil skirts to even denim for a denim-on-denim look! Above from left: Denim pop-over shirt (J.Crew $78); white shirt (Uniqlo $30).

    skirtss

    Pencil Skirt: A fitted pencil skirt has been a wardrobe necessity for as long as anyone can remember. And there’s a reason for that. It works for every body type. You can absolutely dress-up, dress-down and experiment with fun new ways to wear a pencil skirt. What about trying an extended length? You can hike it up for a high-waist look or wear it like a long tube skirt. The possibilities are endless. Above from left: Pencil skirt (Zara $50); grey pencil skirt (J.Crew $138); plain pencil skirt (H&M $13); elastic waist pencil skirt (COS $115).

    trousers

    Black Trousers: Straight slim trousers that fit well are also required for a well-balanced closet. If black pants sound like a snooze-inducing item maybe try wearing ankle-length, as this can make a boring trouser feel fresh but not trendy. Above: Zara $30)

    Fitted Tee: Sure you need a basic tee, but what about a slouchy stripe tee? You can layer this or wear it alone. Plus, stripes are always in.

    Flats: We see ballet flats both pointy and round toe traipsing all over and they’re great, but a little uninspired at times. What about investing in a pair of black loafers? These are essential to a timeless and stylish wardrobe—and they are durable so they’ll last longer than delicate ballet flats. My favorite is the classic Bass & Co. Penny Loafer.

    round toe

    Pumps: Simple, bedazzle-free pumps are essential. Maybe give your feet a break and try a round toe with a stacked heel instead of the pointy spike heel? Above: Patent leather pump (Kate Spade $298); suede pump (J.Crew Factory $77).

    updated classics

    Updated classics above (clockwise from top left): Denim shirt (J.Crew $78); cropped trousers (Uniqlo $40); striped tee (T by Alexander Wang $140); pencil skirt (Zara $50); round toe pump (J.Crew $77); denim jacket (Proenza Schouler $495); jumpsuit (Zero + Maria Cornejo $995); loafers (G.H. Bass & Co. $98); jeans (Levi’s 501 CT $55); wrap coat (Totême’s $760).

    However you decide to update your classics it is important to remember that having the right foundational pieces is crucial to building a stylish wardrobe. You will always look well put together and chic if you buy the basics.

    The post 10 Updated Classics You Need for a Stylish Wardrobe appeared first on Tips on Life and Love.

  • Why ‘Follow Your Dreams’ Is Misguided Advice

    careerproblems_400There is a relentless cultural message to young people: you can be anything you want to be, as long as you believe in yourself–no matter how irrational or improbable. Generation Me (those born in the 1980s and 1990s) dreams big. While our parents may have aimed simply to leave their small town or to go to college, Generation Me wants to make lots of money at a career that is fulfilling and makes them famous. From Generation Me.

    In a 2011 survey, 16-to-18-year-olds expected their starting salary to be $73,000, which they assumed would rise to $150,000 once they were established in their career. However, the median household income in 2009—for all adults—was $50,000, or around a third of the teens’ aspirations. Overall, young people predicted a bright future for themselves, even during the years of the late 2000s recession and its aftermath. Fifty-seven percent of high school seniors in 2012 predicted that they would own more than their parents; only 10% thought they would own less. In the 2011 survey, 59% believed they would do better financially than their parents.

    Expectations for advancement and promotion are also high. One young employee told a startled manager that he expected to be a vice president at the company within three years. When the manager told him this was not realistic (most vice presidents were in their sixties), the young man got angry with him and said, “You should encourage me and help me fulfill my expectations.”

    Related to “you can be anything” is “follow your dreams” or “never give up on your dreams”—like self-focus, a concept that GenMe speaks as a native language. According to the Google Books Ngram Viewer, the phrase follow your dreams appeared 17 times more often in American books in 2008 versus 1990 and never give up appeared three times more often in 2008 compared to 1970. An amazing number of the young people interviewed in Quarterlife Crisis adhered fiercely to this belief. Derrick, struggling to be a comedy writer in Hollywood, says, “Never give up on your dreams. If you’re lucky enough to actually have one, you owe it to yourself to hold on to it.” Robin, a 23-year-old from Nebraska, says, “Never give up on your dreams. Why do something that won’t bring about your dreams?” I was pretty well indoctrinated myself: the title of my high school valedictory speech was “Hold Fast to Dreams.”

    Some people might argue that this is just youthful hope—after all, hasn’t every generation dreamed big during adolescence? Maybe, but GenMe’s dreams are bigger. While our parents may have aimed simply to leave their small town or to go to college, we want to make lots of money at a career that is fulfilling and makes us famous.

    “Following your dreams” sounds like a good principle, until you realize that every waiter in LA is following his or her dream of becoming an actor, and most of them won’t succeed. Most people are not going to realize their dreams because most people do not dream of becoming accountants, social workers, or trash collectors—just to name three jobs that society can’t do without but nevertheless factor into few childhood fantasies. And few dream of the white-collar jobs in business that many of us have or will have. “No one at my company is following his dream,” says one of my friends who works in marketing. That doesn’t have to be depressing—it’s just the reality that the vast majority of jobs aren’t particularly exciting or glamorous. With luck, you’ll enjoy what you’re doing and pay your bills, but dreams are called that for a reason: they are not real.

    The most common dreams of young people are acting, sports, music, and screenwriting. In 2012, more college freshmen wanted to be an actor or entertainer than a college teacher, a foreign service worker, a school counselor, a member of the clergy, an architect, or a salesperson. Music was just as popular as acting, and even more said they wanted to be artists. Almost 1 out of 20 college students expects to become an actor, artist, or musician—more than want to be lawyers, accountants, business owners, scientific researchers, or high school teachers. “I just wanted to tell you not to give up on your dream,” one student says to another on Glee. “If you can imagine it, it can come true.”

    GenMe also holds on to dreams more fiercely, and in a way that makes you wonder how they will react if they don’t achieve their lofty goals. Morgan, 22, began her graduate school application essay by writing, “On my 70th birthday, I want to be able to reflect on my life and say ‘I followed my dreams and lived for my passions.’ In other words, I will not be discouraged by closed doors, and will not be denied the opportunity to live to my fullest potential.” In Quarterlife Crisis, Emily, 22, says that if a young person “never gives up, then he or she will never have to admit to failure.” Uh-huh. But you might have to live in your car.

    Quarterlife Crisis does discuss one young person who “decided to change his dream rather than accept failure.” Mark, 29, tried for years to make it as an actor in New York; he realizes now he should have moved to LA sooner, where “I bet I would have been cast on a soap opera.” He finally decided to give up on acting and pursue another career. His new, and presumably more realistic, choice? To be a movie director. (I am not making this up, and the book’s authors, both twentysomethings themselves, present this story without comment or irony.)

    The post Why ‘Follow Your Dreams’ Is Misguided Advice appeared first on Tips on Life and Love.

  • The Lowdown on Long-Term Care Insurance

    Long-Term Care Insurance, How to Make Your Money, disability planning, retirement planning, end of life careOne of the challenges of retirement is facing the moment when we may no longer be able to care for ourselves. But life in a nursing home or other facility can wipe out savings quickly. Long-term care insurance can ease the burden; find out how and when to purchase it in How to Make Your Money Last.

    Long-term care (LTC) insurance helps pay the bills—at home or in a nursing home—if you become unable to care for yourself. Married couples in particular should consider it. The policy protects the standard of living of the healthy spouse if the other spouse falls permanently ill. A year of care can cost $85,000 or more.

    But can you afford a policy? The answer is probably yes if your company offers it as a group-health perk. Group LTC plans usually take all comers if you sign up during the hiring process. If you wait more than 30 days you’ll be accepted only if you pass a health exam.

    Spouses always have to pass an exam if the plan offers them coverage, too. You can probably take the policy with you when you leave the job at no increase in price, but check.

    Policies are much more expensive outside of the workplace—so much so that they’re principally bought by people with upper-middle incomes and above-average assets. Individual policies always require a health exam. The older you get, the higher the risk that you or your spouse won’t pass. Couples can buy a shared policy that costs less than two separate policies. Policies for women are usually far more expensive than policies for men of the same age.

    Premiums depend on your age when you enter the plan. The older you are when you sign up, the higher your cost will be. In theory, your premiums are supposed to stay level for life. In practice, most insurers raise them from time to time, sometimes by 10 or 20 percent. At this writing, I know of only three companies, Mass-Mutual, New York Life, and Northwestern Mutual, that have never raised prices on existing policyholders.

    U.S. tax policy might help you pay. You can tax-deduct medical expenses that exceed 10 percent of your adjusted gross income. Qualifying expenses include the premiums for LTC insurance.

    As a rule of thumb, you shouldn’t spend more than 5 percent of your retirement income on LTC premiums. You can lower your annual expense by choosing a policy that covers you for three years rather than five years or more. (The majority of nursing home stays don’t exceed three years.) Inflation adjustments can be cut, especially in your older age. You might set the waiting period at six months or more before the policy clicks in. To cut costs even further, you might insure only 50 or 75 percent of the expected cost of care, intending to make up the difference from personal savings.

    The post The Lowdown on Long-Term Care Insurance appeared first on Tips on Life and Love.

  • How Counterfeit Drugs Are Silent Killers

    How Counterfeit Drugs Are Killing Americans, counterfeit drugs, screening over-the-counter medicineWhat is the real price of counterfeit drugs, and how can we stop the problem from spreading? Thousands die needlessly every year, and it’s getting worse. Technology is the answer to saving lives. From The Lucky Years.

    Let me give you a prime example of losing in the Lucky Years amid great revolutions. Over the next decade, millions of people will achieve better health with breakthrough new medicines. But at the same time, millions more will also become victims of counterfeit drugs. Upwards of 40 percent of drugs in third world countries are fake, but even in the United States and Canada, doctors, pharmacies, and consumers have unknowingly purchased bad medicine due to weaknesses in the supply chain. It’s easier to counterfeit a drug than money; all you need is a pill presser, available today online for less than $1,000. The stakes are high when you look at human lives, and particularly so in areas of medicine where people are desperate. How many patients in Boston and Baton Rouge have died from counterfeit drugs? One of our most important anticancer drugs, bevacizumab (Avastin), was counterfeited in 2011 and sold to Americans who ended up losing several months of their lives.

    We expend so much energy and brainpower to protect our bank accounts, credit cards, and other important things, yet we don’t do the same for drugs. We also lack proper safety measures in the production and distribution of food, hence the routine headlines about tainted meat and dairy, expensive recalls, and scary salmonella or listeria outbreaks that kill vulnerable people, young and old. We need to bring technology into the food and drug realms or we are going to be in trouble.

    The post How Counterfeit Drugs Are Silent Killers appeared first on Tips on Life and Love.

  • Challenge: Learn to Live Your Best Life

    What many people are surprised to learn about me—a guy with practically no fingers—is that I love to play the piano.

    Today, I’d like to play you one of my favorite songs. May it wake you up to live YOUR BEST LIFE.

    Watch today’s video and Live Inspired.

    The post Challenge: Learn to Live Your Best Life appeared first on Tips on Life and Love.

  • How to Customize Your Own Anti-Aging Plan

    Bio-Young, Roxy Dillon, anti-aging planAging is the result of the decline in the two essential life processes of the human body—cellular and hormonal function. Keep this in mind, and make sure you use treatments that address these two all-important instigators of aging. From Bio-Young: Get Younger at a Cellular and Hormonal Level.

    Your reward can be fast, visible anti-aging results. Until the age of thirty, the most important anti-aging mechanisms to concentrate on involve cellular function. After this age, and particularly after forty, hormones decline very rapidly, and restoring hormonal function should be your primary focus, while of course keeping cellular function optimal. As you have seen in this book, when you raise hormonal activity in your body, skin, and hair, cellular function should improve, too. You never want to neglect either one of these two vital aspects of anti-aging.

    I hope you are excited and encouraged by the range of possibilities that are now available for you to plan your own anti-aging strategies. Just as millions of books are written using only the letters of the alphabet, many possible programs can be designed using the information in this book.

    Here are some general guidelines to keep in mind as you make your choices. These are the general areas of concern that bother most women, so I hope they will provide you with useful starting points when you come to design your own program.

    • When treating the eye area, make sure that the treatments you apply around your eyes contain a lower concentration of essential oils than your body and hair treatments, and apply them with a gentle touch. Use a third of the essential oil dose recommended for your face, body, or hair when preparing treatments for the delicate area around your eyes.

    • Dull, flaky skin benefits from proteasome activation using instant yeast granules and aquaporin balancing using apple cider vinegar.

    • Sagging skin needs fibroblast-stimulating help, provided by elastin synthesis enhancers such as dill essential oil.

    • Sun damage is treated with amla, gotu kola, rice bran oil, and rosehip oil.

    • The thinning skin that comes with declining levels of estrogen responds amazingly well to fennel, sandalwood, or ylang-ylang essential oils, mixed into an oil base.

    • Get rid of flab with ginkgo and apple cider vinegar.

    • Make your skin smooth, young, and dewy by stimulating skin stem cells with comfrey.

    • Make sure your bone structure provides your face and body with youthful support.

    • Grow your hair and make it gorgeous with rosemary and eucalyptus essential oils.

    Have fun!

    The post How to Customize Your Own Anti-Aging Plan appeared first on Tips on Life and Love.

  • What Is a Sprint—and How Can It Work for Your Business Challenges?

    Sprint, Jake Knapp, problem-solving in business, What is a Sprint, Jake KnappSolving big business problems traditionally consumes both time and manpower, but Jake Knapp found a way to cut down on both. He invented The Sprint, a condensed five-day method of solving tough problems posing a challenge to your business. Knapp explains in his book Sprint: How to Solve Big Problems and Test New Ideas in Just Five Days.

    Good ideas are hard to find. And even the best ideas face an uncertain path to real-world success. That’s true whether you’re running a startup, teaching a class, or working inside a large organization.

    Execution can be difficult. What’s the most important place to focus your effort, and how do you start? What will your idea look like in real life? Should you assign one smart person to figure it out or have the whole team brainstorm? And how do you know when you’ve got the right solution? How many meetings and discussions does it take before you can be sure? And, once it’s done, will anybody care?

    As partners at GV, it’s our mission to help our startups answer these giant questions. We’re not consultants paid by the hour. We’re investors, and we succeed when our companies succeed. To help them solve problems quickly and be self-sufficient, we’ve optimized our sprint process to deliver the best results in the least time. Best of all, the process relies on the people, knowledge, and tools that every team already has.

    Working together with our startups in a sprint, we shortcut the endless-debate cycle and compress months of time into a single week.

    Instead of waiting to launch a minimal product to understand if an idea is any good, our companies get clear data from a realistic prototype.

    The sprint gives our startups a superpower: They can fast-forward into the future to see their finished product and customer reactions, before making any expensive commitments. When a risky idea succeeds in a sprint, the payoff is fantastic. But it’s the failures that, while painful, provide the greatest return on investment. Identifying critical flaws after just five days of work is the height of efficiency. It’s learning the hard way, without the “hard way.”

    At GV, we’ve run sprints with companies like Foundation Medicine (makers of advanced cancer diagnostics), Nest (makers of smart home appliances), and Blue Bottle Coffee (makers of, well, coffee). We’ve used sprints to assess the viability of new businesses, to make the first version of new mobile apps, to improve products with millions of users, to define marketing strategies, and to design reports for medical tests. Sprints have been run by investment bankers looking for their next strategy, by the team at Google building the self-driving car, and by high school students working on a big math assignment.

    The post What Is a Sprint—and How Can It Work for Your Business Challenges? appeared first on Tips on Life and Love.

  • 12 Great Cookbooks for Spring Celebrations

    Everyone is Italian on Sunday, Rachael Ray, Ribollita, Rachael Ray, Rachael Ray Italian recipesWe did it. Days are finally getting longer, vegetables are beginning to grow, and spring family celebrations are right around the corner. Ditch the comfort food and embrace fresh, seasonal recipes in these 12 cookbooks. Remember what vegetables from a farmer’s market taste like? At this point, neither do we, but we have faith they’re going to be great.

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    Everyone Is Italian on Sunday

    Everyone Is Italian on Sunday

    by Rachael Ray

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    “This book is the single most important work of my life. It represents decades of enjoying and working with food and the people I love most in this world.” —Rachael. In Everyone Is Italian on Sunday, Rachael invites you into her home to share her family’s culinary history and the recipes that have shaped her life and career.

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    The New Kosher

    The New Kosher

    by Kim Kushner

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    Kosher cooking has been redefined for the modern family. The New Kosher is filled with healthy recipes, exquisite flavors, and a fresh sensibility for the modern lifestyle. Emphasizing fast, easy, and delicious dishes for everyday meals and special occasions, this is your comprehensive guide to kosher cooking. Kim Kushner comes from a diverse foodie background and her easygoing, mix and match style has helped her redefine kosher cooking. With over 100 recipes from all over the world, there’s something for everyone in this unique cookbook. Looking for a modern twist on a traditional dish? Try Kim’s sticky date and caramel challah bread pudding, homemade challah with za’atar everything topping, 5-minute sundried tomato hummus or Mediterranean-inspired lentil, carrot and lemon soup. Trying to find a new family favorite? Whip up some coconut- banana muffins with dark chocolate, penne with lemon zest, pine nuts and Parmesan “pesto”, easy dill chicken and stew or a crispy rice cake with saffron crust. Need a dessert everyone will love? You can’t go wrong with recipes like deconstructed s’mores, crunchy-chewy-nutty “health” cookies, miniature peanut butter cups and dark chocolate bark with rose petals, pistachios and walnuts. Warmly written with personal narratives and detailed nuance, Kim’s recipes reflect her experience as a generous instructor who loves to teach and a mom who cooks tasty and nourishing fare for a big family.

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    Vegetable of the Day (Williams-Sonoma)

    Vegetable of the Day (Williams-Sonoma)

    by Kate McMillan

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    Williams-Sonoma Vegetable of the Day brings together 365 seasonal recipes, one for every day of the year, in this attractive, practical volume. Each of the 12 chapters opens with a colorful monthly calendar that provides an at-a-glance view of the dishes included. From January to December, you’ll find recipes that suit every occasion, from a weekday family supper or a summer backyard barbecue to a celebratory dinner, and that fit every schedule, from quick sautés to slow braises. Each recipe is accompanied with a note that might describe seasonings or unusual ingredients or offer serving suggestions, ideas for variations and garnishes, or other helpful tips. Many of the recipes are illustrated with full-color photographs to guide you as you cook. But vegetables are more than just great seasonal markers. They are also nutrition superstars, and we all know that we should be eating more of them. This book is packed with inspired recipes that promise to help you do just that. It will encourage you to try vegetables that you have always passed up because you didn’t know how to prepare them, and it will give you new ideas on how to cook old favorites. So, go ahead and open this year-long celebration of vegetables and start cooking.

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    Weeknight Vegetarian

    Weeknight Vegetarian

    by Ivy Manning

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    Weeknight Vegetarian shows how to put a delicious, wholesome meatless meal on the table on any schedule. It offers quick, easy, and healthy meatless dinner ideas for any time of the year, with dozens of choices for any occasion. Weeknight Vegetarian shows how to put a tempting meatless meal on the table every night of the week. Using fresh produce, whole grains, vegetable-based protein, and healthy fats as the foundation, author Ivy Manning transforms fresh ingredients into tempting dishes. Organized by season, chapters open with advice about the fresh ingredients and cooking methods best suited to the time of year. Clever tips throughout offer enticing ways to reound out meatless meals, customize recipes to personal tastes, menu planning strategies, and helpful ideas for turning leftovers into new suppers later in the week. With this solution-packed title on the shelf, you’ll have a reliable roadmap for eating well every night, no matter what the day brings.

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    The Oh She Glows Cookbook: Over 100 Vegan Recipes to Glow from the Inside Out

    The Oh She Glows Cookbook: Over 100 Vegan Recipes to Glow from the Inside Out

    by Angela Liddon

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    After a decade of struggling with an eating disorder and subsisting on diet, low-calorie processed foods, Angela Liddon vowed to get healthy once and for all. Done with feeling sick and tired, she threw out her fat-free butter spray and low-calorie frozen dinners. Instead, Angela embraced whole foods that made her glow from the inside out. But first, she had to learn to cook—and eat—right. Five years ago, Angela started a blog, ohsheglows.com, to spread the word about her journey to health and the powerful transformation that food can make in our lives. Almost overnight, her energy and authenticity attracted readers eager to create their own positive life changes. Today, Oh She Glows attracts millions of visitors every month, making it one of the most popular vegan recipe blogs on the Internet.

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    A Girl and Her Greens: Hearty Meals from the Garden

    A Girl and Her Greens: Hearty Meals from the Garden

    by April Bloomfield and Goode, JJ, EdD.

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    A Girl and Her Greens reflects the lighter side of the renowned chef whose name is nearly synonymous with nose-to-tail eating. In recipes such as Pot-Roasted Romanesco Broccoli, Onions with Sage Pesto, and Carrots with Spices, Yogurt, and Orange Blossom Water, April Bloomfield demonstrates the basic principle of her method: that unforgettable food comes out of simple, honest ingredients, an attention to detail, and a love for the sensual pleasures of cooking and eating.

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    Joy of Cooking

    Joy of Cooking

    by Irma S. Rombauer

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    Canning hopefuls will find plenty of guidance in this trove of culinary wisdom including chapters on canning, salting, smoking and drying; jellies and preserves; and pickles and relishes. There are also useful tables for processing times, boiling temperatures and moderating the levels of sugar in the preserving syrup.

    This classic baking book is chock full of delightful dessert recipes that are perfect for the holidays, including Chocolate Layer Cake with Chocolate Fudge Frosting and Chocolate Dipped Bananas.

    Seventy-five years ago, a St. Louis widow named Irma Rombauer took her life savings and self-published a book called The Joy of Cooking. Her daughter Marion tested recipes and made the illustrations, and they sold their mother-daughter project from Irma’s apartment. Today, nine revisions later, the Joy of Cooking—selected by The New York Public Library as one of the 150 most important and influential books of the twentieth century—has taught tens of millions of people to cook, helped feed and delight millions beyond that, answered countless kitchen and food questions, and averted many a cooking crisis.

    JOY remains the greatest teaching cookbook ever written. Reference material gives cooks the precise information they need for success. New illustrations focus on techniques, including everything from knife skills to splitting cake layers, setting a table, and making tamales.

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    The New Passover Menu

    The New Passover Menu

    by Paula Shoyer

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    Passover is a celebration of freedom—and Paula Shoyer’s innovative Passover collection celebrates culinary freedom, while still honoring the holiday’s dietary rules. Her dishes will set you free, combining all the nostalgic pleasure of family favorites with 65 contemporary creations sure to please a new generation of creative cooks. Covering both seder nights and all eight days of the holiday, Shoyer redefines Passover dining with an updated and global menu that includes Banana Charoset, Peruvian Roast Chicken with Salsa Verde, Moroccan Spiced Short Ribs, Sweet Potato Tzimmis, Eggplant Parmesan, and Frittata with Broccoli and Leeks. And don’t forget the desserts (many gluten-free) that are Shoyer’s speciality, including Triple Chocolate Biscotti, Opera Cake, and Pear Frangipane Tarts. To streamline your planning, there are eight full menus to use as is or to mix and match, along with suggestions for other meals. Passover has never been so easy or delicious!

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    True Food: Seasonal, Sustainable, Simple, Pure

    True Food: Seasonal, Sustainable, Simple, Pure

    by Andrew Weil, Sam Fox, Michael Stebner

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    When Andrew Weil and Sam Fox opened True Food Kitchen, they did so with a two-fold mission: every dish served must not only be delicious but must also promote the diner’s well-being. True Food supports this mission with freshly imagined recipes that are both inviting and easy to make.

    Showcasing fresh, high-quality ingredients and simple preparations with robust, satisfying flavors, the book includes more than 125 original recipes from Dr. Weil and chef Michael Stebner, including Spring Salad with Aged Provolone, Curried Cauliflower Soup, Corn-Ricotta Ravioli, Spicy Shrimp and Asian Noodles, Bison Umami Burgers, Chocolate Icebox Tart, and Pomegranate Martini.

    Peppered throughout are essays on topics ranging from farmer’s markets to proper proportions to the benefits of an anti-inflammatory diet. True Food offers home cooks of all levels the chance to transform meals into satisfying, wholesome fare.

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    Heritage

    Heritage

    by Sean Brock

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    Sean Brock is the chef behind the game-changing restaurants Husk and McCrady’s, and his first book offers all of his inspired recipes. With a drive to preserve the heritage foods of the South, Brock cooks dishes that are ingredient-driven and reinterpret the flavors of his youth in Appalachia and his adopted hometown of Charleston. The recipes include all the comfort food (think food to eat at home) and high-end restaurant food (fancier dishes when there’s more time to cook) for which he has become so well-known. Brock’s interpretation of Southern favorites like Pickled Shrimp, Hoppin’ John, and Chocolate Alabama Stack Cake sit alongside recipes for Crispy Pig Ear Lettuce Wraps, Slow-Cooked Pork Shoulder with Tomato Gravy, and Baked Sea Island Red Peas. This is a very personal book, with headnotes that explain Brock’s background and give context to his food and essays in which he shares his admiration for the purveyors and ingredients he cherishes.

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    The Plantpower Way: Whole Food Plant-Based Recipes and Guidance for The Whole Family

    The Plantpower Way: Whole Food Plant-Based Recipes and Guidance for The Whole Family

    by Rich Roll and Julie Piatt

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    Created by renowned vegan ultra-distance athlete and high-profile wellness advocate Rich Roll and his chef wife Julie Piatt, The Plantpower Way shares the joy and vibrant health they and their whole family have experienced living a plant-based lifestyle. Bursting with inspiration, practical guidance, and beautiful four-color photography, The Plantpower Way has more than 120 delicious, easy-to-prepare whole food recipes, including hearty breakfasts, lunches, and dinners, plus healthful and delicious smoothies and juices, and decadent desserts.

    Get The Plantpower Way: Whole Food Plant-Based Recipes and Guidance for The Whole Family
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    Farmhouse Rules: Simple, Seasonal Meals for the Whole Family

    Farmhouse Rules: Simple, Seasonal Meals for the Whole Family

    by Nancy Fuller

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    Nancy Fuller believes in bringing family together around the table, sharing stories and table manners. Her philosophy is to feed others with delicious, simple meals from the heart. Her straight-shooter approach to cooking will take the hassle out of dinner preparation. Every recipe helps readers to make healthy, authentic cooking their daily standard: From Buttery Braised Radishes to Bacon Wrapped Trout and Johnny’s Carrot Cake, Nancy shows readers how satisfying freshly cooked comfort food can be. She wants to instill pride in the home cook, and this book will help any chef—from beginner to experienced, cook with authentic ingredients for hearty, healthy meals.

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    The post 12 Great Cookbooks for Spring Celebrations appeared first on Tips on Life and Love.