Four Ways To Save Ten Thousand Dollars Per Year For Your Retirement | Sleep More and Be Happier | How Well Do You Know Your Closest Business Confidants? (And 5 Reasons It Matters) | Confessions of an Audiobook Addict

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� � � � � � You Might Like � � � � � � � � � Four Ways To Save Ten Thousand Dollars Per Year For Your Retirement - Forbes    Saving $10,000 a year may be easier than you think when you break it down into actionable steps. If you’re like most Americans, you’d like to save more money for your retirement. According to the Federal Reserve’s “Report on the Economic Well-Being of U.S. Households in 2019,” 60% of Americans either do not realize if they’re on track or are unsure if they’re on track. No matter where you are on your retirement journey, it’s better to start saving now than to start saving down the line. Any amount you save is better than no amount, and for many people picking a round number, like $10,000 a year, feels like a good goal. While $10,000 a year may also feel daunting, you can break it down into smaller and more attainable steps. When you break down $10,000 a year into monthly savings, it becomes $833.33 per month. If it’s less daunting to think of that via your pay periods, most people have 52 pay periods per year, so it would be $192.30 per pay period. Or, if you want to get down to the brass tacks, $10,000 broken down to 365 days is $27.40 per day. Here are a few ways you can increase your savings to meet your $10,000 per year goal for your retirement. Continued here Sleep More and Be Happier - The Atlantic    When Shakespeare called a good night’s rest the “balm of hurt minds,” he was really onto something. These, the opening lines of Shakespeare’s “Sonnet 27,” accurately describe how I start out many a night. Unfortunately, my hope for rest all too often follows the bard’s next line: “But then begins a journey in my head.” The paean to sleep turns into a lament as I toss and turn. I am not alone. According to the Centers for Disease Control and Prevention, “Most days or every day” in 2020, nearly 15 percent of American adults had trouble falling asleep in the previous month. The result is that Americans report feeling sleepy an average of three days a week, either because they don’t sleep well enough or because they simply don’t get enough sleep. Continued here Don't like ads? Go ad-free with TradeBriefs Premium How Well Do You Know Your Closest Business Confidants? (And 5 Reasons It Matters) - Forbes    There are no ifs, ands or buts about it: You need to know the people you're working with well. No matter what the size or scope of your company, you rely on other people. Even solopreneurs have a vast network of partners and clients. Whether your closest business confidants are within or outside your organization, there is no denying that many of these people are often your go-to resources for potential collaborations where trust is essential. But how well do you really know your closest business confidants? In a day and age when so many of our interactions take place exclusively online (especially with the rise of remote work), coming to truly know coworkers, partners and other business confidants can be a powerful difference-maker in your career. Continued here Confessions of an Audiobook Addict - The New Yorker    As a compulsive reader of physical books, I tend to cue up an audiobook not so much as a sonic counterpart to print but as a portable verbal atmosphere to accompany some errand or everyday hustle. I don’t drive and haven’t had a valid driver’s license in twenty years, so I never have the opportunity to tackle, say, all of “Beowulf” or “Don Quixote” during a regular commute. But I’ve taken in “The Waste Land” while waiting in line at the post office, listened to Richard Feynman explain electromagnetism on the 7 train out to Citi Field, heard Marx anatomize the commodity form while walking trails in Van Cortlandt Park, had Iris Murdoch’s swirling sentences in my earbuds while ordering an everything bagel (lightly toasted). Once at a Key Food in Riverdale, I became so entranced by the mellifluous unctuousness of Jeremy Irons reading “Lolita” that, in my fugue state, the names of the different Triscuit varieties on the shelves were mystically annexed to Humbert Humbert’s monologue: “Ladies and gentleman of the jury, fire-roasted tomato, smoked gouda, hint of sea salt, avocado cilantro and lime.” Though audiobooks have their origins in recordings made for the blind as early as 1948 (Helen Keller called such books “the most valuable tool for the blind since the development of Braille”), they now form their own media ecosystem, with awards for production and performance (Audies), dedicated online forums for review and appraisal (AudioFile magazine), and publishers’ “beginner’s guides” to cultivating a relationship with audiobooks. The audiobook’s ascent into full-blown aesthetic autonomy came with the arrival of the iPod and its MP3 file format in 2001, and, as of 2023, more than half the U.S. population has listened to an audiobook (in Sweden, they outsell hardcovers). And, although it is tempting to evaluate audiobooks against the benchmark of physical books, they are really an entirely different thing. Of course, you’re not free to casually reread, paragraph reset, glance at the index, flip the book over to scan the insipid blurbs, or all the other desultory nonlinear things we do with books. And the tempo is fixed, though not entirely; you can set the speed at quarter increments, which gives a range of choices, from the soporific lowest setting, .25x, to the caffeinated upper end, at 2x. And audiobooks are not at all the same thing as a podcast. The latter are often messy, warts-and-all conversations, with all the “ums,” “likes,” laughs, and snorts left in, whereas an audiobook is a polished, edited, artificial production. Exemplary of the audiobook as a production to be consumed the way you would a movie or a playlist are the hugely popular celebrity autobiographies read by the author. Springsteen’s memoir, “Born to Run,” kicks off with the tag riff of the titular tune, and then Bruce comes in reading like one of the gas-station sages in his songs. His occasional podcasting partner Barack Obama reads his own book “A Promised Land” (a version of the title of a Springsteen tune, incidentally) in those pleasantly elongated Chicago diphthongs that we know so well and that make him sound eternally sanguine. You could start a religion around David Lynch reading his book “Catching the Big Fish: Meditation, Consciousness, and Creativity.” Lynch’s voice oscillates between chipper Howdy Doody squareness and disarmingly strange metaphysical injunctions, as when he advises the listener to avoid the “Suffocating Rubber Clown Suit of Negativity,” urging us instead to “dive within.” (also, each chapter begins with an ominous “Eraserhead”-ish whoosh). One from this genre that I particularly like is “I’m Keith Hernandez” read by Keith Hernandez, a member of the great Mets lineup that won the 1986 World Series. I hear Keith on cable TV two or three times a week during baseball season, so I get my fix in the offseason by listening to him tell stories about getting into scrapes with drunk umpires in the minor-leagues, on up to becoming an eleven-time gold-glove winner, and his appearances as himself on a couple episodes of “Seinfeld” (not to mention the Ph.D.-level insights about the science of hitting along the way). Continued here

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