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Real Estate Expert Dave Panozzo: “There are the first 5 things I do after getting up in the morning”

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Most successful people have many similarities and many things in common. However, there’s usually 1 that stands out and that they do before they do anything else in their lives.  

That 1 thing… is their morning routine. They adopt a morning ritual to jump start their day. It might sound simple and ineffective but every successful person will tell you otherwise.  Time and time again experts have pointed out that having a morning ritual helps you to overcome procrastination, be more positive and set you up for a successful day.  

Your morning habit dictates the flow of your day. That’s why if you study successful people around the world, you will observe that strictly follow their morning ritual until it becomes embedded in their system.

Dave Panozzo, a former United States Army Member started his career in the real estate industry in 2016. He received citations for his accomplishments as a real estate agent, but in an interview, he told us how the road to success does not follow a straight line.  

While he is going after his goals he is often hit with detours that take him off his path to those goals. As a result of this experience it was important to Dave that he design a morning routine to keep him focused on what is important in reaching his goals. He stated “I started doing this about 5 years ago and it has completely changed my life!”  

In this article you will read the five morning habits that Dave created for himself to make sure that regardless of what is thrown his way he will have a productive day and stay focused on what he is set to accomplish. He suggested “ Try to follow these habits every morning for 21 days since experts said that it takes 21 days to develop a habit.”  

Get Up Early From Bed

Successful people start their day early. Those who rise early tend to procrastinate less as compared to others. Dave says “Every time I wake up early, I feel less stressed because I am not cramming to get out of the house. I have more time to prepare myself, ready to attack the day. And suddenly you will realize that you have more time, and you will be able to accomplish more”.

But you might say that you’re not a morning person. You can gradually work yourself to wake up early. For example, you can wake up 20 minutes earlier for a week then the following week you increase it to 25 minutes. You can keep doing this until you reach your ideal wake up time.

As the weeks go by, you gradually feel the result. You will reduce your stress level since you eliminate the need to rush in the morning. This gives way to a positive feeling that will trickle throughout the day. Research has shown that those who wake early can anticipate problems and minimize it more efficiently.

Dave shared with us his morning routine and what makes it so successful. It consists of making his bed first thing in the morning he stated “this is the first win of the day”, he follows up my reading his personalized affirmation. These are things that are he is reinforcing into his mind first thing in the morning. Next, he writes in his journal, making sure that he describes the way he feels while also focusing on a major win he has recently.  

Once you start doing this on a daily, weekly, or yearly basis, you now can reflect back on the situations you were in and reflect on how you conquered it.  

The last part of Dave’s pre-day routine consists of books. He enjoys reading a few pages at a time some mornings his mind is racing so fast that he can only get through a few pages while other mornings he can read a whole chapter. Some of the books that have changed his life are The 10X Rule, Relentless, Think and Grow Rich.     

Eat Breakfast

As they say, breakfast is the most important meal of the day. It serves as the fuel of your body so you could the tasks that lay ahead of you. It will help become more focused throughout the day.  

Nutritionists said that the basic formula for a healthy breakfast is to pair carbohydrates or carbs with proteins.  

Carbs will give your body the energy to get started and fuel for your brain. Protein, on the other hand, gives you more stamina and helps you feel full until your next meal.

Get Some Exercise

One part of Dave’s morning that helps fuel his energy is exercise. “Including exercise in your morning ritual will help boost your energy. It will also make you feel more alert and ready to take on the day” Dave stated.  

Morning exercise improves your stamina, boost your mental focus and improves your mood. Notice that you sweat out after a workout you feel good about yourself. You don’t have to do full workouts in the morning. You can just do a 15-minute workout, or you can have a quick jog. Put those rubber shoes on and make your body sweat.

Visualize

Another part of Dave’s morning that not only helps in keeping him motivated but also in staying on that straight line toward his goals is visualizing.

Dave recommends “early in the morning, reflect on your goals and tasks to map out your day. Think about what you want to achieve and why do I want to achieve it. You need to reinforce your motivation in the morning, so you are ready to seize the day. You devote time to do meditation in the morning, you can read or listen to your favorite music. This will improve your mood and clarity to your mind.”

 Prioritize

Prioritize your task. Do the toughest task in the morning when your mental focus and capacity are at the highest. Tackle your most important project in the morning so you feel fulfilled throughout the day. If you start prioritizing your tasks and start doing the most difficult task in the morning, you will become more productive. And you will feel good about yourself.

You can prepare a to-do list. Organizing your tasks will make everything manageable. Seeing an outline of you should complete will make you mentally focused and give you a sense of fulfillment every time you tick out a task on your list. It is key to do this list the night before you go to bed.  

This morning routine will bring success, a sense of fulfillment and happiness throughout your day.

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Meet Akshay Agarwal, the dynamic serial millennial entrepreneur planning to outstretch his reach in the F&B business in the UK

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Proving his prowess as an successful entrepreneur in many different domains and niches, Akshay Agarwal explores exciting possibilities ahead.
There is no doubt in the fact that the world is taking giant strides with respect to developments and technological advancements in each and every sector of business. But at every step of dynamic changes happening in the business world, there have been inspiring and passionate entrepreneurs at the forefront driving many businesses ahead with their unique and creative ideas and strategies. These new young budding entrepreneurs have left no stone unturned in taking their respective businesses ahead in time and making a special place for themselves within the industry. Met one such astute professional and established entrepreneur sailing his way onwards and upwards in the business world through his sheer dedication, passion, vision, and resilience- Akshay Agarwal.
Akshay Agarwal is mere 30 years of age and making waves in many different diverse domains of the entrepreneurial world. He has been already tasted success as an entrepreneur in different fields including automobiles spares, NBFC, entertainment, distillery, oil and gas pipelines, and education sectors. All of these business have been widespread across the globe including markets like India, UK, Italy, Romania etc. Having completed his double masters in MBA and MSc in international business from the UK in 2012, Akshay Agarwal is now eying the potential field of the F&B industry in the UK. Being one of the most rapidly growing industries across many domains, the F&B industry in the UK has been an sought-after area looked upon by many entrepreneurs to explore and invest in. Akshay Agarwal too wants to cash in the opportunity and ignite many other possibilities leading to sustainable growth and revenue generation from the same.
Taking much inspiration from his father, Mr Anil Parkash Aggarwal, an renowned name and business personality, Akshay has already finalized one upcoming restaurant in the UK and is also looking to expand having many other outlets. The idea of quick-service restaurant (QSR) excites him more where they can focus primarily on the quality of the food being served, ensuring great levels of customers satisfaction with super-fast services and deliveries. Collaborating with his brother Anant, Akshay wants to build this niche under the roof of “Yellow Ant Hospitality” and take the F&B industry in the UK to greater heights.
We are sure of the fact that Akshay will succeed in this endeavor as well like the way he has excelled in many other fields. We do wish him all the very best going ahead.

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Benefits Of Auto Repair Manuals To Home Mechanics

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At the first sign of car trouble, most people drive their cars to the nearest workshop to get it fixed simply because it does seem like the most logical thing to do in most case scenarios. However, it is also undoubtedly the most expensive thing to do, although there are other alternatives. So what are these ‘other alternatives’, well it is your car auto repair manual (also known as the car repair manual or factory manual). By owning and actually going through this manual with a dash of discipline, vehicle owners have the option to reduce the overall cost of maintenance and repairs. There are quite a number of issues that vehicle owners could manage on their own with basic tools.

Regular routine services that most of us send to workshop could actually be done DIY such as oil change as all you would need is a brand new oil filter, air filter if needed, a 2 x 2 half cut tub to catch the old oil, a wrench and a jack and you will be good to go. The auto repair manuals contains everything that you need to know and all you have to do is read it and follow the instructions to save not just money, but also time as you would have it done in an hour. Car repair manuals contain diagrams of the most complex components to the most basic of information about your car such as replacing seal joints or solenoids that help vehicle owners save a significant amount of money in the long run.

However, it is not practical or even advisable to attempt repairs that involve removing the engine as they it is not only hazardous, but is also a complex process that could result in you losing more money, especially for novice mechanics. The best way to handle this is to let the pros handle major repairs as they are not only skilled for the job, but they also have all the required tools that are needed to do the job thoroughly. Even mechanics could use the auto repair manuals which are also referred to as workshop manuals occasionally to gain a better insight on the vehicle that they are working for as these manuals as mentioned earlier are specific to vehicles and accurate.

These manuals are good for workshops as they would improve bottom lines and turnaround due to the reduced man hours that improves capital cost positions, not to mention that these savings could be transferred to customers (lower prices) which add to the workshops competitive advantage. You can download pdf repair manuals on numerous websites (some offer them for free and some sites charge a minimal fee for downloads). Most of these sites offer car repair manuals for a large range of cars ranging from Ford and Oldsmobile right up to Porsche and Perodua, you name it, and it’s most likely they have it. Just Google ‘car workshop manuals’ and look for a site that suits you best.

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APPLY ONLINE FOR NO CREDIT CHECK LOANS

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When it comes to borrowing, many people with bad credit may get a variety of personal loans that do not require a credit check or a credit score. These no credit check personal loans are offered in return for higher interest rates. Lenders provide them because they recognize that proving repayment ability can be challenging for many families, especially during difficult circumstances.

The standard terms for no-credit-check loans are as follows:

What are the minimum and maximum amounts that no credit check loans may be used for? On the Internet, the average lender gives loans ranging from $100 to $1500; however, they sometimes promote considerably greater sums.

The interest rate is variable. These expenses may be constant or fluctuate depending on the length of the loan.

What is the maximum term of a loan? Some loans must be paid back within 10 days, while others might take up to six months. The longer the loan period, the higher the fee; a cost of 600 percent of the loan amount is not uncommon.

For instance, consider the following transaction: For every $ 50 you borrow, the lender charges a 21 percent interest rate plus a $ 9.50 “transaction fee.” If the client wants to postpone payment, a “deferral fee” of $ 25 per $ 100 is applied to the invoice.

Is it permissible?

In Canada, this sort of loan is legal, however the interest rate is limited to 60%. This formula is unlawful in Quebec since the government passed a legislation prohibiting charging interest rates more than 30%, thereby eliminating this sort of loan.

Product Manager, National Bank Financial Solutions, says, “I do not advocate this sort of loan, which requires payback within 6 to 12 months.” The rates are at least double that of typical personal loans. You may also be required to pay additional service fees. You have the option of renewing your loan before it expires, but it will be quite costly. You can deposit assets or set up direct deposit from your paycheck.”

“I wouldn’t suggest this sort of borrowing, to be honest. The interest rate is quite high, and if you miss a payment or a check bounces, the amount you owe will increase.”

“When things go wrong, consider combining your debt,” expert says. Consolidation loans are available from banks. Bankruptcy experts can assess your case and advise you on the best course of action.

Before getting into the gear, make sure you have everything you need.

If you’re thinking of getting a loan without a credit check, first check your credit score to see if you might get a standard personal loan with a cheaper interest rate. On a loan issued to someone whose credit rating does not reflect a reduced risk, lenders frequently demand a higher interest rate.

Examine the personal loan interest rates available. You could come across what looks to be a typical high-interest loan, but it would be preferable to a no-credit loan, cash advance, or anything similar. A lower interest rate implies you’ll pay less money out of pocket over the course of the loan’s term.

It is advantageous to have assets or offer collateral to verify your capacity to repay various forms of personal loans that do not require a credit check. This will provide you access to cheaper interest rates and make it easier for you to get accepted.

How to Obtain a Loan without Having Your Credit Checked

Although it may come as a surprise to some, did you know that you may apply for a loan without a credit check even if you have terrible credit? Yes, it is correct! While obtaining a traditional loan from a traditional financial institution may be more difficult, obtaining a loan online from a reputable lender is a completely other story.

If you’re in a tight financial spot and need some assistance, consider applying for a loan without a credit check. It may be your own personal miracle!

First and foremost, have you thoroughly investigated if you are eligible for a bank loan? Certain situations may appear to be worse than they are, and hence your request may not be denied. Keep in mind that no credit check online loans generally have high interest rates, stringent restrictions, and short payback periods. A conventional bank loan should still be your first choice if you qualify.

Furthermore, there are several mobile applications and websites available that allow you to check your credit score on your own without damaging it. I mean, it won’t harm to have a peek, right?

ARE YOU AWARE OF YOUR CREDIT SCORE?

It’s not necessary to have a “poor” credit score to have trouble getting a loan from a traditional bank. If you have a “bad credit history,” or if you have little or no credit history, getting a bank loan might be nearly difficult! In these instances, apply online for no credit check loans may be a better alternative. To issue your loan, a safe online lender does not need to look at your credit history.

Regardless of whether you have a poor credit rating or none at all, understanding where you stand is critical. Not only can knowing your score assist you in conversations and negotiations with possible lenders, but it will also inform you whether you qualify for a traditional bank loan. A traditional bank loan has superior interest rates, conditions, and payment periods. To put it another way, you generally save money by going to the bank (when the latter is a possibility, of course).

Let’s have a look at the figures. Your credit score will generally fall anywhere between 300 and 850. Anything below 669 is deemed acceptable, mediocre, or awful when asking for a loan. Over 700, the quality ranges from high to outstanding. You could seek for a loan organization that doesn’t demand verification based on your credit score.

GET IN TOUCH WITH A BANK OR A LENDER

Do you need a loan urgently but have terrible credit or no credit history? Don’t be concerned. If you wish to show your financial responsibility in other ways, such as your employment or present income, you can contact a financial institution or a lender directly.

Today, a growing number of lenders in Quebec are willing to analyses your risk as a borrower using alternative methods and data. The majority of this data, such as job and income, is not shown on your credit report. Rather, lenders who do not do a comprehensive credit check are more likely to evaluate your loan application if they look at your entire file.

You enhance your chances of receiving a loan by applying for one through a safe online lender, especially if you have a terrible credit history. Knowing your credit score will help you discover lenders that will consider a variety of criteria, such as your debt-to-income ratio and payment history. You will be able to receive better rates and conditions for your loan if you select the lender that best matches your demands.

You may educate yourself online to identify which components play a role in the decision-making process if you want to know what criteria the various lenders evaluate. This will give you a better sense of if credit score is taken into account and whether you will be able to obtain a loan without a credit check.

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