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Should I Include My Spouse on a Mortgage?

November 6, 2020 by

Buying a house is an exciting adventure. It can be even more exciting when you have a partner to do it with. Looking for homes with your spouse is a physical manifestation of the life you plan on having together. You’re mapping out your whole future and getting ready to take this next step together. But when you have two people shopping in real estate and looking at home loans, you may have extra questions about who should be the borrower and how to apply for a mortgage.

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While it may seem like an unusual question, you may want to ask yourself, “should my spouse be on my mortgage?” At first, you may think, “of course, they’re my partner, we’re in this together.” But there can be ways to get a lower interest rate from your mortgage lender if you file alone. On the flip side, without the help of your spouse, your mortgage rate can rise specifically.

Ultimately, there is no right or wrong answer. Every couple is different and will have different qualifications and pros/cons to including their spouse on the home loan. Whatever gets you the best rate on the type of loan you’re looking for should be the best option for you as homebuyers. Use your best judgment as you explore these areas where applying for a mortgage with your spouse can help or hurt you.

Are you ready to buy a house?

First thing’s first, you need to be sure you and your partner are ready to become homeowners. This is a big step and a big commitment to your future together. Be sure everything is happy and healthy at home. If you’re at all worried, consider marriage counseling to help get your family back on the same page. Whether you’re struggling with intimacy, affection, or personal issues, speaking with a couples counselor can resolve issues and make you a stronger team than ever. Becoming homeowners is a big step, and counseling can help show you if you’re ready for it.

Income Increase

When you’re applying for a mortgage loan, you need to provide proof of income to decide your monthly payment and rate mortgage. Applying for a mortgage on your own will mean you’re only including your income to determine the loan amount. This may mean you can only secure a lower loan and not pursue homes that are actually in your price range. Adding your spouse when you apply with a lender can sometimes double your income and allow you to apply for a higher loan. Experiment with different numbers and use a mortgage rates comparison calculator to figure out how the income ratio can affect you. If filing together leads to a better mortgage at a lower rate, it may be too good of an opportunity to pass up.

Credit Changes

Applying for any conventional loan means the lender will run a credit report. Your credit score determines your loan estimate and the interest rate. Research your credit score, your spouses, and your joint number to decide which filing method will get you the best rate. If your partner has a bad score and yours is great, it may be a good idea to leave them off the mortgage. Just remember, if you apply for a mortgage together, those monthly mortgage payments are both your responsibility, and paying off your new home will affect your credit scores and tie them together for years to come.

Signing the Deed

If you’ve chosen to leave your spouse off the mortgage loan, you may be wondering if they can still be considered a homebuyer. While their name may not be on the mortgage, they can still sign the deed to the home. And if you do sign a mortgage together, it will be expected that both borrowers sign the deed together.

 

Filed Under: Money & Finance

Gerber Burial Insurance: Is It The Right Choice For You?

October 15, 2020 by

Now, more than ever, more people are investing in burial insurance. With all the burial insurance options available, it is nearly impossible to find one that works for you.

Luckily, there are a couple of funeral insurance options that stand a head taller than the rest. One of them is Gerber burial insurance. If you have always known Gerber as a baby food producing company, don’t worry, you are right.

However, as we shall see later on, it has an affiliate- Gerber Life Insurance- that provides young families with life insurance.

As per research done in January 2020, at least 60% of people (mostly seniors) in the USA have settled for Gerber burial insurance. And it is with good reason.

The funeral insurance plan has plenty of unbeatable offers, amazing deals and irresistible incentives. At the same time, it has a couple of wanting areas that need some polishing. Let’s learn more about it.

About Gerber Burial Insurance

Gerber is one of the most popular companies in America with an unforgettable logo. It was started in 1927 and has been providing quality baby food.

Forty years later, it ventured into life insurance and founded Gerber Life Insurance Company that strives to provide quality life insurance policies for seniors, children, and adults.

It also provides Gerber burial insurance policy for adults aged 50-80. Of all the burial plans in the burial policy, statistics reveal that more people go for the Guaranteed Issue Life Insurance Plan. The Plan offers coverage amounts between $5,000 and $25,000.

Benefits of the Guaranteed Issue Life Plan

Here are some reasons why the Guaranteed Issue Life Plan is an excellent pick for you:

  • It is a whole life policy, which simply means that with it, you are covered your whole life.
  • Most funeral charges range from $7,000 to $10,000. With such an impressive face

amount of a minimum of $5,000 and a maximum of $25,000, beneficiaries can cover the costs of funeral and burial services as well as other final charges.

  • Even if you suffer from illnesses such as COPD, cancer, Parkinson’s, or congestive heart disease, you can qualify. You only need to be 50 to 80 years of age and a US citizen.
  • You do not have to answer any health-related questions or provide your medical history.
  • It is relatively affordable.
  • It has fixed premiums, meaning that the amount you pay at the beginning is what you will always be paying. There is no annoying increase in premiums after every five years.
  • Application is simple. After answering a few questions about yourself- whether by phone or online- you can proceed to select the amount you prefer and pay using your credit/debit card or checking/savings account.

In case you need clarification or explanation on anything, a capable customer care team is available to offer assistance.

The Plan has several disadvantages too. First of all, it comes with a graded death benefit. The benefit prevents your beneficiaries from getting the full death benefit if you die from old age, sickness, or disease within a few years after purchasing the Plan.

This allows the company to rake in some profit as it offers coverage to higher risk applicants.

Also, it has a two-year waiting period before the full coverage starts. This is to keep coverage pocket-friendly because everyone is accepted.

Why is Gerber Burial Insurance Necessary?

Picture this: You have passed on and you have not left any savings or cash behind. Your family will have to shoulder all the expenses. Worse, they will incur debts if they are unable to pay for the funeral charges.

With Gerber burial insurance in place, you can rest assured that everything will run smoothly even after you are gone. And that you will receive the decent burial that you deserve. Most importantly, your considerate action will allow your relatives to be a little more at ease.

Gerber burial insurance is also a wonderful alternative if you have been denied access to a standard life insurance policy.

Filed Under: Money & Finance

What doubts does a person have while buying tobacco online for the first time

September 10, 2020 by

Retail stores have been a great place for buying tobacco products in the past and the present situation. Although people still buy tobacco products from retail stores, they have also started to use an online e-commerce website for purchasing tobacco. There are a lot of different benefits that can be achieved through online stores while buying tobacco. Things might not be difficult for people to adapt, especially when they are used to shopping online. However, for someone who has never done that before, they are very cautious and worried before buying tobacco products from the online platform.

There are a few things that people often doubt while purchasing tobacco from an online store. One of the most common things is the authenticity of the products. What if the product purchased through the online store is not original and will return it and give me my money back. If you are looking for answers to the question “How to buy tobacco online,” these are a few things you should know about, which will help you to buy things with confidence. It is important to understand that these online stores are very similar to the physical retail stores that you buy the tobacco products from and come with the same and an even higher level of expectations.

These online stores make sure that whatever product your buy is original. It is why they provide a guarantee of authenticity and quality while buying their products. These products also provide the users with a guarantee of replacement for a specific period. The process of replacement and refund differs in the fact that in online sales, the package will be collected from home while, on the other hand, you will have to visit the store. Therefore, if you are buying online for the first time, you do not need to worry about getting the original products.

The most important thing that new visitors to the online tobacco shop are worried about is the payment method. For someone who has never tried to buy anything online, using their card or bank details is a very risky affair. Although making online payments is easy, a new person would think multiple times before providing the details. If you are a new user, then there is nothing to be worried about. The card details are never saved on the server and passed on to the bank server using encrypted login details to make the payment.

Also, if the customer or user is not comfortable in making the payment online through the banking website, then they could simply opt for the cash on delivery option where the user gets the option to pay the entire amount at the time of delivery. Once checked, the customer can pay the amount for the package. Lastly, to check more about the website’s authenticity, you can always search the internet for customer reviews about the website. It will build more confidence about the website, and you will be able to shop without any worries.

These are some of the major points that a person thinks before spending an amount on an online website for the first time. There might be many more questions for people who have never done an online transaction for purchasing tobacco. But once you get used to it, it will be much easier. To read more on topics like this, check out the lifestyle category.

Filed Under: Lifestyle

Exploring the Benefits of Vegan CBD Gummies

June 30, 2020 by

CBD gummies are immensely popular amongst individuals who want to benefit from the therapeutic properties of cannabidiol. Taking edibles is one of the easiest forms of taking cannabidiol or CBD oil and it is easy to ingest them. Vegan gummies are considered to be alternatives to products that fit within the purview of veganism.

Bowl of Gummies

Health benefits

There are numerous health benefits of taking CBD gummies. Some of the popular benefits of taking these have been listed below.

  • Combats inflammation

This is one of the most exciting benefits offered by cannabidiol products. Controlling inflammation can mitigate the symptoms associated with various health conditions.

Various studies have established that the components present in cannabis have a crucial role to play in controlling symptoms associated with inflammation. This link offers a better understanding of the benefits of using cannabidiol: https://www.verywellhealth.com/cbd-oil-benefits-uses-side-effects-4174562. The therapeutic benefits of the product are numerous.

  • Improves clarity and focus

It has been established in research studies that cannabinoid receptors can interact with the dopamine receptors present in the body. This interaction results in improved focus and mental clarity.

  • Offers relief from pain

Pain relievers by doctors are generally habit-forming. These candies are made from natural ingredients and interact with the serotonin receptor that is linked to the pain management system in the body.

  • Easy to use

CBD gummies are a rich source of antioxidants and other essentials vitamins and minerals. Antioxidants are known to relieve stress, and also boost immunity. They are easier to use and hence preferred by many. Vegan gummies are a great option for individuals who have embraced veganism.

What are the different kinds of CBD gummies available?

There are primarily three kinds of CBD gummies available in the market. These vary based on their composition and cannabidiol’s source. These also differ in their potency.

  • Full-spectrum CBD

These candies are rich in phytochemicals that are naturally present in cannabis. Cannabinoids and terpenes have numerous benefits to offer to a user. These also consist of trace amounts of tetrahydrocannabinol.

  • CBD isolates

This is one of the purest forms of CBD. These gummies are ideal for those who are looking for a potent THC-free product. It primarily impacts the cannabinoid receptors present in the body and influences several bodily functions.

 

  • Broad-spectrum CBD

Candies, consisting of broad-spectrum CBD, are basically rich in phytochemicals present in cannabis. It is free from THC which is a psychoactive component.

Green, Grass, Ganja, Maria, Cannabis, Marijuana, Field

How to choose the best vegan gummies?

There are various factors that you must consider before purchasing gummies for your needs. This will assist you in shortlisting the best product as per your requirements.

  • Source of ingredients

While purchasing CBD candies or generally any product, you must check where the ingredients are being sourced from. If you want to avoid products that consist of THC, then the best thing you can do is choose isolates. You can also consider purchasing broad-spectrum vegan gummies.

  • Check for artificial preservatives and allergens

CBD candies are formulated with various ingredients. You need to pay special attention to the ingredients if you don’t want to use a product that is laced with artificial preservatives. Vegans need to be especially careful in checking the product label. Click over here to explore more about these candies. These are simply perfect for vegans looking for an alternative.

You can check for the PETA-approved symbol on the product packaging or for any other mark for checking whether the product is suitable for vegans or not. Individuals with allergies should also double-check the contents before making a purchase.

  • Check for potency

It is all dependent on the source of cannabidiol being utilized in formulating gummies. A full spectrum ingredient will be more potent in comparison to an isolate. Also, you can check into the dosage of the product before buying anything.

In summary

Various cannabidiol products with different formulations are available in the market. You need to verify the contents and also check if the product has been tested by a third party before making a purchase. This will ensure that you are using relying products for your needs.

Vegans need to take special care in verifying if the product is suitable for their or not. While taking gummies, start with a lower dosage and then you can gradually increase it if necessary. Identify what the perfect dosage for your need is so that you can enjoy all the benefits offered by the product.

 

 

Filed Under: Food & Health

How old is Santa?

November 2, 2019 by

There are some questions we don’t need an answer for, but childlike curiosity means they will always be asked. It is inevitable that at some point, your child will ask how old is Santa? This is the sort of question which places you on the backfoot, and may leave you scrambling for answers!

The answer you give will depend on the Santa Claus you want to project to your child, and of course, how old and mature your child is. For many youngsters, it is best just to say no one knows how old Santa Claus is, as this adds to the magic surrounding him.

However, if you are happy to tie Santa Claus to the tradition of St Nicholas, who lived in Turkey, in 2019, Santa Claus is 1,749 years old. There are many stories of St Nicholas and his generosity, helping those in need.

Santa has always helped children

In those days, it would have been food and clothing as opposed to sparkly gifts and shiny toys which St Nicholas bestowed upon children. It is easy to see how the story of St Nicholas has evolved into Santa Claus over the years, and the important thing is children still view him as a magical person. Mrs Claus and the elves play a crucial role in assisting Santa Claus each year, but it is his work which lies at the heart of so much of what makes Christmas unique for so many people.

Regarding the more familiar Santa Claus children know and love today, there are clear lines to 1823 and a story called “A Visit from St. Nicholas”. This description paints Santa as “chubby and plump, a right jolly old elf”. In the 1870s, versions of Santa added the white beard, and the modern-day character started to take shape.

Santa looks great in red and white

We all know the red costume we associate with Santa Claus today stems from Coca Cola adverts, but you must admit, the colours look great on him. We all know Santa works hard in association with many companies, so it would be wrong to associate with that sweet soft drink company solely, many companies have benefitted from the hard work of Santa Claus over the years!

Santa Claus may be getting on in years, but he isn’t slowing down. With a group of elves helping him, he manages to make every Christmas special, but as you would imagine, he enjoys sitting down and enjoying a quieter moment now and again.

This is the ideal time for Santa Claus to read letters from children all over the world. Santa loves to read these letters, as it keeps him in touch with children, and how they are getting on. It also gives Santa the chance to write a personalised letter back to youngsters.

If you want your child to receive a personalised letter from Santa Claus, Lapland Mailroom will ensure you connect your kids with the special man. If you wish to ensure your children behave in the run-up to the special day, or you want to let them know how special they are, a personalised letter from Santa does the trick. This will always be the case, no matter how old Santa Claus gets!

 

Filed Under: Lifestyle

3 Tips For Managing Your Own Rental Properties

July 10, 2019 by

If you’re interested in adding some variety to your investment portfolio, you’re likely considering getting into real estate. One of the most common ways people do this is by getting an investment home loan and purchasing a piece of property that you then rent out.

While this can be a great financial move, it can also be challenging for those who are wanting to manage their properties but don’t necessarily have experience doing so. To help those in this type of situation, here are three tips for managing your own rental properties.

Understand What Managing Rental Properties Entails

Before you jump right into managing a rental property, it’s good to know exactly what this job is going to entail for you.

According to Erin Eberlin, a contributor to The Balance Small Business, being a property manager really means that you’ll be managing three aspects of this investment from a business standpoint. You’ll be managing the tenants you’re renting to, the property you own and any of its maintenance, and all of the finances that go into making this business venture work.

If you don’t think you can handle all of these aspects on your own, you can always hire a property management company to take care of some of this business for you. But if you’re wanting to be very hands-on with your investment, just be prepared for the reality of the tasks you’re taking on.

Spend The Time To Learn How To Be A Great Property Manager

When you’re new to real estate investing and management, you might think that it’s something that you can easily pick up without putting too much effort toward it. And while this might be the case for some people, if you really want to take care of your investment, you’ve got to put in the time to learn how to be a great property manager.

To help you in doing this, Brandon Turner, a contributor to Forbes.com, advises that you really invest some of your time into learning about property management. Read books, listen to podcasts, talk with other property managers in your area, or join online forums so you can learn from others’ experiences as well as get answers to any specific questions you may have.

Make Finding Great Tenants Your Priority

One thing that can make being a property manager so much easier, despite everything else that might be going on with your investment, is if you’re able to find great tenants to occupy your property.

To ensure you’re always filling your property with the best possible tenants, Andrew Beattie, a contributor to Investopedia.com, recommends that you always call to check their references and that you run a credit check. These two things can give you almost all the information you’ll need to know if someone is responsible and trustworthy enough for you to rent to.

If you’re going to start managing your own rental property or properties soon, consider using the tips mentioned above to help you do so successfully.

To read more on topics like this, check out the business category.

Filed Under: Business

Dysmorphic Disorder Are Mental Disorder

June 3, 2019 by

While many of us want to get fit or get meaner, it’s a part of our mind healthily. But there is a disorder which can make you fixate on your body. Body dysmorphic disorder is a psychological issue in which you can’t quit considering at least one saw deformities or blemishes in your appearance — a defect that, to other people, is either minor or not noticeable. You may feel so embarrassed and restless that you may avoid many social circumstances.

When you have body dysmorphic disorder, you strongly fixate on your appearance and self-perception, over and again checking the mirror, prepping or looking for consolation, now and then for a long time every day. Your apparent defect and the dreary practices cause you critical misery and affect your capacity to work in your day by day life.

People with this disorder may go to great lengths to fix every blemish. Subsequently, you may feel a brief fulfillment, yet frequently the nervousness returns and you may continue looking for an approach to correct your apparent imperfection. Treatment of body dysmorphic turmoil may include therapy and medicine.

Symptoms

  • Being very distracted with an apparent blemish in appearance that to others can’t be seen or seems minor
  • The solid conviction that you have an imperfection in your presence that makes you revolting or twisted
  • A belief that others take uncommon notice of your appearance negatively or think awful of you
  • Taking part in practices went for fixing or concealing the apparent imperfection that is hard to oppose or control, for example, regularly checking the mirror, prepping or skin picking
  • Always endeavoring to stow away seen faults with styling, cosmetics or garments
  • Continually contrasting your appearance and others
  • Continually looking for consolation about your appearance from others
  • Looking for continuous corrective strategies with little fulfillment
  • Staying away from parties or gatherings because you feel ugly constantly.
  • Being so engrossed with an appearance that it causes real pain or issues in your public activity, work, school or different territories of working
  • You may fixate on at least one pieces of your body. The element that you center around may change after some time. The most well-known highlights individuals fixate on include:

Understanding the disease and its risk factors

Understanding about body dysmorphic scatters changes. You may perceive that your convictions about your apparent blemishes may not be valid, or feel that they most likely are accurate, or be wholly persuaded that they’re valid. Body dysmorphic disorder begins typically in the early young years, and it influences the two guys and females. A fixation that body size is excessively little or not sufficiently strong (muscle dysmorphia) happens only in males. Most of us have something we don’t care for about our appearance — a slanted nose, an uneven grin, or eyes that are excessively expansive or excessively little. Also, however, we may fuss about our blemishes, they don’t meddle with our day by day lives.

Be that as it may, individuals who have body dysmorphic disorder (BDD) consider their genuine or saw imperfections for quite a long time every day. They feel that they must fix before it becomes too late. They can’t control their antagonistic contemplations and don’t trust individuals who disclose to them that they look beautiful. Their considerations may cause serious, enthusiastic trouble and meddle with their day by day working. They may miss work or school, maintain a strategic distance from social circumstances and segregate themselves, even from family and companions, since they dread others will see their flaws. Shame about your appearance may shield you from looking for treatment for body dysmorphic disorder. In any case, on the off chance that you have any signs or side effects, see your human services supplier or psychological well-being proficient.

Body dysmorphic disorder, as a rule, doesn’t show signs of improvement all alone, and if untreated, it might deteriorate after some time, prompting severe dejection, uneasiness and broad doctor’s visit expenses, and may provoke self-destructive considerations and behavior. It’s not known what causes body dysmorphic scatter. In the same way as other psychological sicknesses, body dysmorphic turmoil may result from a blend of causes, for example,

Mind contrasts. Variations from the norm in cerebrum structure or neurochemistry may assume a job in causing body dysmorphic disorder.

Qualities. A few examinations demonstrate that body dysmorphic disorder is progressively normal in individuals whose blood relatives additionally have this condition or fanatical enthusiastic turmoil.

Condition. Your condition, educational encounters and culture may add to body dysmorphic scatter, particularly on the off chance that they include negative social assessments about your body or mental self-portrait, or even youth disregard or misuse.

Having blood relatives with body dysmorphic confusion or over the top impulsive turmoil

  • Negative educational encounters, for example, youth prodding and injury
  • Specific identity characteristics, for instance, hairsplitting
  • Societal weight or desires for magnificence
  • Having another mental issue, for example, tension or discouragement
  • Entanglements
  • Entanglements that might be brought about by or related with body dysmorphic scatter incorporate, for instance:
  • Real despondency or another state of mind issue
  • Self-destructive contemplations or conduct
  • Tension issue
  • Medical issues from practices, for example, skin picking
  • Over the top impulsive confusion
  • Dietary problems
  • Substance misuse

Treatment

To get an exact finding and proper treatment, individuals must specify their worries explicitly with their appearance when they converse with a specialist or emotional well-being proficient. A prepared clinician ought to analyze BDD1. There is a website which can help you understand your various moods. It is called the mood tracker. There are other implements you can use. In any case, you can step through a self-exam that can help recommend if BDD is available, yet it won’t offer an authoritative determination.

On the off chance that your tyke is distracted with appearance, so it meddles with the focus in school or if practices recorded above show up, converse with psychological wellness proficient.

Successful medicines are accessible to help BDD sufferers live full, gainful lives.

Intellectual, social treatment (CBT) trains patients to perceive nonsensical contemplations and change negative reasoning examples. Patients figure out how to distinguish undesirable mindsets and acting and supplant them with positive ones. Get some answers concerning ACT with CBT.

Energizer prescriptions, including particular serotonin reuptake inhibitors (SSRIs), can help soothe the extreme and impulsive manifestations of BDD.

Treatment is custom fitted to every patient, so it is imperative to converse with a specialist to decide the best own methodology. Numerous specialists suggest utilizing a blend of medicines for best outcomes.

Join the discussion on this topic with Zootoo by visiting our contact page.

Filed Under: Food & Health

5 Things You Can Do Each Morning to Start Your Day on a Positive Note

April 3, 2019 by

Every morning offers a brand new start: a chance to conquer the day and squeeze the most out of it that you can. But to get off on the right foot, it can be helpful to incorporate some positive habits into your routine.

Develop a Purposeful Morning Routine

As humans, we have a finite amount of energy and willpower for the day. If you wander mindlessly through your mornings without a sense of purpose, then you’ll waste a lot of that drive before you encounter your greatest problems and challenges.

By developing a positive morning routine, you can remove some of the unnecessary decision-making from the equation and be prepared for success. We all have different interests and needs, but here are some choices and habits you could integrate into your mornings.

  • Wake Up Early

There’s something inherently empowering about waking up early and getting a jump on the day. When nearly everyone is still sleeping or punching the snooze button on their alarm clock, you’re already off and running.

Few strategies will make you feel better about yourself than showing up at the office at 8 or 9 a.m. after already having knocked three or four items off your to-do list. This will free you up to focus on what you really want to get done.

  • Read Your Daily Horoscope

A little morning inspiration and clarity can be extremely empowering. Most people have a preferred method of gaining insights, but why not read your daily horoscope?

If nothing else, it’ll help you center your mind on some of the crucial elements in play; elements that go beyond you and your present situation.

When you read your horoscope, don’t treat it as a prediction of what the future holds. Instead, regard it as an explanation of what the day could be if you’re intentional enough to embrace who you are and what you’re meant to be.

  • Get Some Exercise

You know you need at least 30 minutes of physical activity each day. So why not do a workout first thing in the morning?

“Movement can be a tremendous source of energy, something many of us need when we start our day. But beyond that, morning exercise has been shown to improve focus and mental abilities all day long,” personal trainer Dave Smith writes.

“Not only will you feel awake and have more energy after your workout, but your mind will be ready to take on whatever tasks you have lined up that day.” You can also hire a personal trainer to help you stay accountable and get in great shape. In fact, these days you don’t need to go to the gym to work with a personal trainer!  In-home personal training is now provided by companies like Mobile Trainers, allowing you to work with a fitness professional from the comfort of your own home.

  • Slow Down Your Grooming Routine

Your morning grooming routine is something you should take great pride in, not rush through so you can get out the door on time. Make a habit of slowing down that ritual.

Whether it consists of shaving, showering, brushing your teeth, moisturizing, or other duties — there’s something nurturing about taking the time to embrace, even savor, these small rituals of self-care. You’ll feel a greater sense of purpose and dignity the rest of the day.

  • Avoid Media

Turning on the news, browsing social media, or reading the newspaper in the morning probably isn’t doing you any good. In fact, overexposure to media brings most people down and makes us more susceptible to stress, anxiety, and depression.

So make it a point to avoid exposure to media in the morning. You’ll feel happier … and frankly, you’ll find you haven’t missed much.

A Positive Morning Starts the Night Before

Millions of people operate under the assumption they could never become a “morning person” … as if that’s pre-determined on the day you’re born. But the truth of the matter is, anyone can learn to love and embrace a positive and productive morning.

In order to do so, however, you have to be smart about how you manage the preceding evenings. You’ll never have productive mornings if you don’t insist on a nightly routine that allows you to go to bed at a decent hour.

You need at least seven hours of sleep on a nightly basis. So if you aim to get up at 5 a.m. to tackle your morning routine, you need to go to bed at 10 p.m. at the latest (and preferably 9 p.m.). This requires careful planning and determination.

Filed Under: Lifestyle
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