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Have you ever heard one of those self-help gurus claim he can save you two hours a day? Well, I'm sorry to be the one to tell you: You can't save two hours on Monday, then add them on to Tuesday to make a 26-hour day. The first step to good time management is to realize that you can't save time at all — you can only spend it wisely. "Time is money," the gurus also tell us. Well, how much money? It's not hard to figure: Pull last year's tax return, and divide your gross income by the number of hours you work. Assuming that the dollar value you came up with hasn't sent