A reader says, “No matter how conscious I am of saving time throughout the day, I still find myself racing the Clock. What, if anything, am I doing wrong?

Answer: Consider the following example: any one-hour activity that you undertake in the course of the day will consume one solid year out of the next 24 years of your life. One hour is to 24 hours as one year is to 24 years. With this realization, consider the cumulative effects of reading junk mail for only 30 minutes a day, or of spending 15 minutes a day in line at the bank which could be avoided if you judiciously used mail, phone, or email services. Make each 30 or even 15 minute segment count.