We have apps to help you do yoga at your desk, or remind you to take time off during the day.

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The other is that financial planning is going to take a fair amount of your time even if you do hire a pro.

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Do watch out for the boss that tells you to take your time converging into the culture but wants you to deliver improved results at the same time.

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Or do you take the opportunity to win new friends and reduce your costs at the same time?

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Often, the judgments have to do with ancillary benefits: Athletics enhance fitness and character but take time away from your studies or the festival of foreign films.

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As tempting as this may be, you need to take your time with making these important decisions because, for the most part, there are no do-overs and you will have to live with your decisions for a very long time.

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