Mornings are my favorite time of the day.
I can get more done in the first 2 hours of the morning than I can in the next 8 hours of the workday.
Since I’ll be publishing an article tomorrow on successful mornings (I’ll even be sharing my morning ritual), I thought it would be appropriate to share this awesome infographic today.
Let’s quickly go over a few key things to morning time…
Most youngsters think that they do not require life insurance, and hence, they ignore it.
They neglect the benefits it offers them because they feel it’s not meant for them, so they simply take it because of statutory tax deductions.
It is okay for them to feel that way, especially if they don’t have familial responsibilities.
However, they should remember that there are different impacts when they take this type of policy during the different stages of their lives.
A life insurance policy offers you more benefits when you take it at the age of 40 as compared to when you take at the age of 25.
A 20-year life insurance policy that you take when you’re 25 years old would greatly help you during some days when you have financial needs when you are 45 years old, such as the higher education of your child. However, the same policy may not be very helpful to you when you are in your 60s if you take it when you are 40 years old.
The following is an analysis of the best time for you to take life insurance…
Small progress over time leads to huge results.
Gradual increase + persistence = new habits. It’s that simple.
Small habits might not seem life-changing at first, but when you look back, you will see something amazing.
You will see huge progress compounding over time.
That’s exactly how you measure your goals. Looking backwards.
The past gives us all the information we need and it tells us what we need to change.
Let’s look at how to effectively measure goals and see our progress…
Have you ever read an article on productivity and thought it would be great for someone without a family, but with a family, you couldn’t really implement most of it?
I’ve been married for almost 9 years. My wife and I have 4 kids. I’ve been there before.
I’m always looking for ways to increase my productivity, but I admit, it’s not very motivating to read an article about having a 3 hour long morning routine.
Don’t get me wrong, that sounds awesome! And I would love to that, but unfortunately, I work, spend time with my family, exercise and, oh yeah…sleep (when I’m free to do so).
I don’t have 3 hours for a morning routine and as much as I would like to, it’s just not going to happen right now.
That doesn’t mean we can’t be productive. I’m very productive and so is my family.
I have found some things that work. It’s possible to be productive, even with a big family.
Let me share what has worked for me…
Do you drink coffee everyday?
If you’re over 18, you probably do. Statistically.
Over 50% over Americans (over the age of 18) consume coffee on a daily basis.
You may be the kind of person who gets cranky when you don’t have your coffee, or you may be able to go without it.
Either way, if you drink it everyday, you are sabotaging yourself from the benefits you could be getting from that age-old energy booster known as caffeine.
Here’s how you should be doing it…
We all have our habits. Positive and negative.
Habits are like compound interest. They can be our best friend or our worst enemy.
So, how do you create positive habits?
How do you get them to actually stick?
Here is the most effective way to create and stick with new habits…
The average person spends 9 years of their life watching TV.
That’s just from watching TV a few hours everyday.
But that’s not you, right? I mean, you don’t spend hours and hours in front of the TV.
That’s unproductive and a waste of your time…and you know it.
But what about Facebook? We spend 700 billion minutes on Facebook every month, across the world.
And then considering that we spend 174 billion minutes on YouTube each month, it’s hard to imagine that there is any time left. I think we all remember the first time we logged onto YouTube. Those suggested videos in the sidebar will get you…and keep you…for days.
As you will see in a moment, I used to waste hours everyday without even realizing it.
Here is how I figured out where my time was going and how I took control of it…
There’s no debating the fact that being self-employed offers quite a few benefits you just don’t get with a conventional job.
You don’t have that pesky boss looking over your shoulder all the time, you get to make your own decisions about the direction of the business, and if you work from home you don’t even have a commute.
Of course, there are always negatives to balance things out, and with self-employment getting a mortgage is often one of them.
However, just because you’re self-employed doesn’t mean you’ll never be able to get a mortgage.
It just means the rules are a little different…
The Real Estate sector may have suffered greatly due to recession.
But that’s all in the past.
Now that the economy is stable, many are now looking forward to investing in a new home.
This is why now is the time to consider working for the real estate and construction industry.
Not an engineer or architect? No worries!
You can still make money in this market by setting up your home inspection business. Want to know how to do this? Read the steps below…
If you want to be debt free, you need a strategy. A method.
The average US household has $54,000 in credit card debt.
You need a plan. You really do.
The good news is that you have more than one option.
There are several ways to get out of debt, but the two most used ways are called the debt snowball and the debt avalanche.
Let’s look at the differences and see what works best for you…
“Hey honey, I want a motorcycle.”
“But I want a kitchen remodel.”
“Umm, but I want a motorcycle.”
“SWEETIE. WE CAN’T DO BOTH”
He wants the motorcycle. She wants the kitchen remodel. How to decide?
When you and your spouse talk about money, there’s potential for
arguments disagreements, value clashes, and colorful conversation (to put it lightly).
This step-by-step guide will help you two figure out how to make a budget work for your life together.
A little diversity here, a little security there.
There are several components to a well rounded retirement portfolio.
You shouldn’t put all your eggs in one basket, but you don’t need a whole bunch of baskets.
It’s all about balance.
There are all kinds of ways to create a great portfolio, but you have to start with a solid foundation.
An IRA is a great foundation for retirement, whether it’s in addition to your company retirement account or on it’s own. Let’s look at 3 parts to a great IRA…
There is a difference between being broke and being poor.
Broke is a temporary states of finances.
Poor is a mindset.
Before you go on, promise me you will never refer to yourself as poor again. Even if you feel like you are.
You may be broke, but you’re not poor.
Here is why you may be broke and how to stop it…
What makes a company a large cap or a small cap?
What the heck is a “blue chip” stock?
It’s important to know the difference if you’re interested in the Stock Market.
There are ways to organize all sizes of companies into different titles, though it’s not an exact science.
These titles are given for a reason. So that you can easily determine the size of different companies.
So let’s get into what the different sizes are and what it all means…
A credit score is like your in-laws.
Some are really great. Some are not so great. And some people like to pretend they don’t exist.
Well, they do exist (your credit score that is…and probably your in-laws too) and whether you have a great credit score or a poor one, there is always room for improvement.
You can always do better.
Here are some tips for improving your credit score, no matter how good or bad it is…