Virgin Media Discount Codes – Switching to Virgin for UK Houses and Apartments

Richard Branson’s Virgin brand ventures range from airlines to space travel. Here we see Virgins media solutions for UK homes (houses and apartments) and the latest money saving Virgin Media promo codes. We have taken the latest Virgin voucher codes and deals from Wikigains.com.

One of the main focus of all Virgin companies is customer experience. Their aim has been to make their products enjoyable and easy to use. Making the switch to Virgin Media is pretty easy and straightforward. Here are the steps to follow:

  1. First, discover what Virgin offer in your area using your postcode.
  2. Pick your choice broadband, TV, or phone package.
  3. Order your choice package. Apply a valid Virgin Media offer code at checkout to save money.Remember, if you have connected to Virgin Media network in the last 3 years, you can start installing the services using theirQuickStart self-install pack which is available for free collection, or delivery at £5. Otherwise, Virgin will send an installation engineer to set things up for you within 14 days.
  4. Once your Virgin Media services are up and running, cancel your current provider’s services.
  5. Virgin will send you a contract by email, your billing information as well as installation guides and everything else you need to use our services better.

Virgin Media Bundles

Virgin Media has a choice of four great bundles covering high speed internet, television, and phone services. These are:

  1. Full House

The Full House package also includes VIVID 200 fibre broadband, whose 213 Mbs of download speed is suitable for households with more than 10 devices. Subscribers also get weekend calls to UK landlines, Virgin Mobile numbers, and 0845/0870 numbers. The Full House bundle costs £55 a month and it comes with over 230 television channels. Virgin Media promotional codes may save you money on your first month’s subscription.

  1. Mix

The Mix bundle costs £45 a month. The bundle gives you a choice of over 150 channels in addition to VIVID 200 broadband, which is suitable for households with over 10 devices to link to the web. You will also get weekend calls to UK landlines, Virgin Mobile numbers, and 0845/0870 numbers..

  1. Full Player

The Full Player bundle goes for £29 a month. It has over 70 television channels, VIVID 100 broadband for households with 5 to 9 devices, and weekend calls to UK landlines and Virgin Mobile, and 0845/0870 numbers.

  1. VIP

The VIP bundle goes for £125 a month. In addition to the 230 plus Full House TV channels, the bundle also includes Sky Cinema HD and Sky Sports HD to give you a choice of over 260 channels.

The bundle also includes VIVID 350 fibre broadband, with download speeds of 362 Mbs! You will also get calls to UK landlines, mobile numbers, and 0845/0870 numbers. This is Virgin’s most expensive media plan, but it is ideal for families where there is a great need to data. For example, running a business from home or online gaming. There is usually no Virgin Media coupon codes applicable to this plan.

What if you want broadband only?

If all you want is broadband internet, then here are your options. They all include a £20 installation cost.

  • VIVID 50 (£33 a month). Has download speeds of 54 Mbs and upload speeds of 3Mbs; which is good for households with up to 4 devices.
  • VIVID 100 with Talk Weekends (£29 a month). Average download speeds of 108Mbs and upload speeds of 6Mbs. Suitable for 5 to 9 devices. Also includes free talk weekends.
  • VIVID 100 (£38 a month). Download speeds of 108Mbs and upload speeds of 6Mbs. For households of 5 o 9 devices.
  • VIVID 350 (£48 a month unless you have a valid coupon for Virgin Media). Average download speeds of 362Mbs and upload speeds of 21Mbs.

If you are renting or buying an apartment or house in the UK, see how you can switch to Virgin here.

The New In Latest Luxury Apartment Living

Luxury apartments are in great demand these days and consequently lots of developers have taken to offering them. There was a time when these deluxe apartments were available only in the major cities all over the world. However, real estate developers now offer these apartments in smaller cities as well.

People these days have very clear ideas about what constitutes luxury apartment living. Needless to say, what appeals to one person will not necessarily appeal to another one. Even so, there are a few features that stick out because of their enduring popularity.

  • Unique architecture

People who can afford to live in a luxury apartment are no longer willing to settle for pedestrian architecture. They expect builders and developers to come up with unique designs for buildings. This enables them to stay in a place that reflects their aspirations and achievements.

  • Deluxe fixtures and fittings

Since buyers are spending a great deal of money on deluxe apartments they expect the sittings and fixtures to be of an appropriate quality. This includes high quality flooring made of marble or wood, designer bathroom fixtures, state of the art security systems and even designer kitchens.

  • Wide range of public amenities

A deluxe apartment complex generally comes with one or more swimming pools, a well-equipped gym and sometimes even a business center. It also tends to come with a beautifully landscaped garden and other public areas.

  • High level of security and service

Buyers of luxury apartments expect the building to have the best possible security, both human and electronic. They also expect the building to have proper on-site management with maintenance staff available for the better part of the day (with a few staff available at night as well).

People planning to invest in a deluxe apartment should do plenty of research before investing in a particular property. Lots of builders say that they offer luxury apartment living but the reality is actually quite different. Many buyers find out that they have spent a great deal of their hard-earned money on a property that isn’t really special.

Luxury apartment living can be quite expensive because all these great features come at a cost. However, as long as a person wants to enjoy these features and facilities then he or she will not have a problem with the cost. Even so, it is best to invest in a property that offers the facilities that one requires.

These Modern Apartments in Henderson Are Unlike Others I Have Ever Seen

Home has to be more than just a place you go to to get some sleep between working and playing. It needs to be a place of refuge where you can relax, feel safe and enjoy spending time there. This is why home ownership has been a big part of the American Dream for so long. Now you can have that and more in apartment living. I never thought that would be possible. Many years ago I was adamant about never living in an apartment, now there are apartments in Henderson that have much more in the way of amenities than what I could ever afford when buying a house.

My wife and I found luxury resort-style apartments in Henderson that are everything we wanted. We have a beautiful kitchen with stainless steel appliances and granite countertops. Our living room is big. Continue reading “These Modern Apartments in Henderson Are Unlike Others I Have Ever Seen”

Getting Settled in My New Place

When I moved down here I thought that I would look for a place by the beach, they have a couple of them right in the middle of the Tampa Bay area. However none of them were very close to where I am working and obviously I am not the first person to have this thought, it is pretty expensive to live the fantasy. In fact it would also be pretty crowded in these areas, so I started to look at apartments in South Tampa and I found something that was a great deal more practical to be honest. If all goes well I can get to the office in less than ten minutes and it is not much longer than that if things do not go perfectly well. In fact I could ride my bike there, but the traffic sort of makes that a lot sketchier than I would enjoy. Continue reading “Getting Settled in My New Place”

Just Got Started at Grad School

It is really exciting to be honest, because I have gotten a good teaching assistants job with one of the most prestigious professors at Vanderbilt. I am not really studying to be a physician, although I have to learn nearly all of the things that a doctor does. In fact I am trying to learn about biological engineering. I am really interested in some of the projects they have working on artificial organs here right now. Of course I have been focused on all of the mundane stuff like apartments in Nashville TN. I need one that I can afford that is relatively close to the campus. Continue reading “Just Got Started at Grad School”

Apartment Locator VS Apartment Database Search! What’s Best For You?

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Let’s start with the fact that 80% of all searches start on line, that being said when you do a search on Google or Yahoo for the terms “rental apartments” or “apartments for rent” you are faced with two basic options; apartment locator that offers their free service ether from their internet sites or using classified ad postings and other internet sites that offer the use of an apartment database. Which is the best for you? Well, that depends on what your needs and wants are and whether you like the “do it yourself” apartment hunting or being helped by a professional Apartment locator.

The Apartment Locator: If you are relocating to a new area or a new city, a place you are unfamiliar with, you don’t know the neighborhoods, schools, job centers, transportation, etc, the apartment locator may be your best choice.They respond to your request by phone or email (you decide) to ask you some details about your ideal apartment. You want to give them as much information about your wants and need as far as: budget, date of move part of town and more. The apartment locator is knowledgeable about the area of his local rental market. They will be very helpful in finding you rental property that suits your particular needs, best of all, in most cases this will be a totally free service. The apartment locator is normally paid “finder’s fee” or “referral fee” from the landlord apartment complex or landlord.

The Apartment Database Search: Unlike apartment locators, the typical apartment database offers an extensive choice of apartment listings. You can read the descriptions of apartment communities see maps, amenities, rent ranges, photos of inside and out and in some cases contact information. All this information helps you understand if a particular rental apartment or complex meet your needs and wants. If you like the “Do it yourself” method an apartment database site might be the one for you. Most require a simple registration which asks for name email and date of move. You do not submit your telephone number and you will not be contacted personally by anyone.

Same as apartment locator, most apartment database are free to use, in some cases you are even offered an Apartment Rebate of $100.00 or more if you tell the property you visit and/or lease that you where sent by a specific referring source ( apartment locating database or website). So, which is better for you? The apartment locator or the apartment database?

Multi-Family Apartment Loans

There are a number of different multifamily apartment financing programs available. They are generally divided into small apartment loans for properties costing between $1 million and $5 million, mid-balance loans for transactions between $5million and $25 million, and large financing programs lending for transactions with no specified upper limit, and a bottom limit of $2 million.

Small multifamily apartment financing

The Fannie Mae loan program offers financing for multifamily apartments with more than 5 rental units. The loan amounts are between $750 thousand and $3 million dollars and have terms of between 5 and 30 years. Another option in this category is a multifamily FHA loan, which is administered by HUD. These government loans are attractive because they do not depend on the volatility of the market. The source of financing remains in place because it is government allocated and controlled. Small conduit multifamily apartment mortgages are also available from 1$ million to $5 million and terms of 5 to 20 years.

Mid-balance and large multifamily apartment financing:

The same basic categories apply to mid-balance multifamily apartment financing as noted above. There are the Fannie Mae programs, FHA loans, and small conduit loans for these monetary ranges. There may be other types of loans available in addition to these so ask your loan broker about the programs they recommend.

How to get approved for multi-family apartment financing:

Specific programs have their own criterion for borrower approval. These lenders base their decision both on certain criteria that the borrower must meet and stipulations for the multifamily apartment being purchased. An example will serve to illustrate this.

Let’s say you are trying to take out a small multifamily apartment loan under the Fannie Mae program. They require that your FICO credit score be higher than 680, and that you have a minimum of 2 years’ experience with 2 multifamily properties. They also require that the post closing liquidity (that is, the amount of cash you will have after purchase of the apartment building) is equal to or greater than the loan amount.

As concerns the property itself, it must be able to demonstrate an average 90% occupancy in the 12 months prior to receiving the loan and it must have 5 or more rentable apartments. The properties are also restricted in most cases to 25 year amortization schedules.

Multi-family apartments are a good real estate investment in these troubled times. The demand for multifamily housing remains fairly steady and the existence of multiple players (i.e. the borrower, tenants, lenders, and possibly government sources) in the cash flow patterns of the transaction distinguish it from other lending and borrowing markets. So if you are thinking of getting into real estate investment, this is a potential area to consider.

Understanding Multi-Family Apartment Building Mortgage Financing

If you are planning of constructing a multifamily apartment you can get a multifamily mortgage. You should note that the Canada mortgage and housing corporation (CMHC) and the lenders usually don’t review your total debt service (TDS) and gross debt service (GDS) ratios to determine whether you qualify for the financing-they focus on your overall net worth.

The lenders usually focus on the value of your liquid assets such as stocks, bonds, and equity in other real estates. Classic cars, antique dish collections, art, jewelry, and other valuable items aren’t considered as part of the overall net worth.

How to qualify for the multi-family mortgage

For you to quality for the loan the CMHC requires that you have a net worth of at least 25% of the loan amount that you are seeking. You should note that the 25% doesn’t include the down payment that you pay for the property. For you to qualify for any loan, you should have a net worth of $100,000.

What you need when applying for the loan

When making an application you should provide evidence of the assets that you have. This calls for you to provide investment account statement, bank statements, real estate tax assessments for other properties, and notice of assessments for individual tax returns.

You should also provide a document that shows that the guarantors have been approved by the credit bureau. For the guarantor to be eligible, he/she must have a credit score of 680 or more.

The most unique thing is that unlike other lenders who advise you to leave your full time job and concentrate in your investment, the CMHC and mortgage lenders want to see that you have income from full time employment.

This gives them comfort that you have steady income even if there is an economic downturn; therefore, you will still continue to pay the mortgage even if you don’t have tenants in your property.

Conclusion

This is what you need to know about multi-family apartment building mortgage financing. While the qualifying process might seem daunting, it’s very easy when you team up with the right lender.

For ideal results you should explain your future plans for the property and the lender will evaluate the transaction and guide you on how to realize your dreams.

Remember that there is great value in teaming up with the right lender who is well acquainted with the approval process and an expert in multi-family financing.

How to Find Perfect Family Apartments For Sale in Milton Keynes?

Milton Keynes, one of the biggest towns of United Kingdom, is situated near North West London. Since, this town is comparatively new, it is quite well planned, and organised. You can find the best facilities to live here. A source says that almost 7-9 families shift to Milton Keynes every day, which is a good example of how popular this place is. Finding a perfect apartment in Milton Keynes is not a very tough job. You will find a lot of apartments that matches your criteria.

Milton Keynes is a very famous residential area. You can find luxury apartments on reasonable prices. The town is conceptualised in a great manner, and since the town is very close to cities like London, people find it convenient to work in big cities while residing in one the best towns.

It is not very difficult to find perfect family apartments. You can simply contact a property agent, and he/she can guide you accordingly. You should have a proper knowledge of the town, so that you can decide, which area you would prefer for living, or which area suits your living style.

The best thing about Milton Keynes is that you can find all the luxuries of life. There are big shopping malls, hospitals, schools, good transport system, parks, and everything that is required for a nice and comfortable living. The apartments are well maintained and well designed. The old apartments are renovated to keep them in a proper shape.

If you are looking for a perfect apartment, you have to be very clear about a few things. Looking for an apartment with random thoughts will make things difficult for you. You should be aware of what kind of apartment you need, how many bedrooms, and what kind of facilities. In addition, you have to decide if you would like to have an apartment in the hustle bustle of the town, or a little far away. The flowing river and huge green lands is very soothing to the eyes, and the environment looks extremely nice

The homes that are located far away from the busy town are cheaper as compared to the homes located near the town. You can choose whatever is suitable for you. The apartments are very well maintained, so if you decide to go for a cheaper apartment that does not mean that the apartment will be of bad quality. You will find every luxury there as well, but first, you need to finalise the location.

Once you have finalised all your details, you can inform the property agent about your requirement. He/she will help you to find the most suitable apartment for you. It has some really nice and expensive areas such as Caldecott, and other good residential areas such as Willen.

The price range of houses may differ because of the locality, and size of the homes. You can find big luxurious homes as well if you can afford to buy one. Milton Keynes is undoubtedly a nice place to live with your family, and finding a perfect apartment is not that difficult.

Living in Thailand After Retirement

My husband and I met when we were on separate vacations in Thailand. It was love at first sight for both of us, and thankfully we lived close enough to each other to where we could have a proper courtship. That was nearly 30 years ago, and we are going back to where our love story started. Before we retired several months ago, we looked at the best real estate agency in Koh Samui Thailand. We had been back to Thailand on holiday at least once every couple of years, so we knew exactly where we wanted to live once we did retire.

We were able to look at several properties online that were just perfect for us. I knew that we would not have a problem finding exactly what we wanted because the entire area is just filled with awesome properties and beautiful houses. The overall scenery is just perfect too, and we were able to narrow it down to the one we wanted easily enough. It is located right in Koh Samui, and it feels and looks like it could have been custom made for the two of us. Continue reading “Living in Thailand After Retirement”

Real Estate Fraud

This is an activity that is purposely done to misrepresent information on real estate documents. It also involves the money transfers. It is also called mortgage fraud. The reason that it is referred to as this is that the fraud generally takes place with the mortgage application. Real estate fraud, in the United States, can have heavy penalties like imprisonment and large fines.

Such a crime can be committed in many different ways. It appears to happen more often when property prices are on the rise. Because of the simplicity of the fraud, some types are seen more than other frauds. Some are not as common because they are more complicated. One of the common forms of such fraud, according to the IRS is preparing two settlement statement sets that are different from each other. In one of the statements, the accurate property-selling price is written, which the buyer receives. The other one will depict a higher selling price that is exaggerated. When the mortgage lender approves the loan for the exaggerated price, the seller is given the amount that is stated in their copy of the settlement statement. The one who committed the fraudulent settlement statements will keep the money that is left over. If there are other conspirators, the money will be divided among them. It could be the entire excess money or a percentage of it.

Using qualification that are fraudulent is another type of real estate fraud. These fraudulent qualifications are used when applying for a mortgage or home loan to help them get the mortgage. In this form of real estate fraud, the real estate agent will usually assist the buyer. The fraudulent qualifications can include fabricating credit reports or history of employment. These two involve the obvious misrepresentation of data but not all real estate fraud is easy to see as these two examples. If buyers who do not intend to commit real estate fraud because they do not know the laws can accidentally commit mortgage fraud.

If a buyer has a down payment by using money that was given as a gift it is legal. If this gift is re-paid to the who gave the gift, this is considered a case of real estate fraud. The gift used to make a down payment cannot be repaid for it to be legal. Another type of property fraud is when the buyer accidentally fails to disclose any financial liabilities on their mortgage application. It becomes fraud when it is not taken care of before the loan is approved. Property flipping can become real estate fraud if you make false representations about the value and condition of the property when you sell it for a much higher price than you paid for the property.

REAL ESTATE: Something You Might Want to Know

Real estate means the property consisting of land or buildings which also includes the natural resources of the land including uncultivated flora and fauna, farmed crops and livestock, water and minerals, simply speaking any improvements on it. Tenants and leaseholders may have the right to occupy or make use of anything that is within the dominion of the rented area depending on the terms and conditions set by the landlords.

However when we hear the words “real estate”, we often refer it to the “real estate market” from the perspective of residential living. This is grouped into three categories based on its use. It’s either be residential which is used for living purposes, commercial as used in commerce and industrial which is used in manufacture or production of goods. Residential are those undeveloped land, houses, condominiums and town homes. Commercial are office buildings, warehouses and retails store buildings and examples of industrial are factories, mines and farms.

Those who are buying a home often need to borrow money in the form of mortgage because prices are generally well above their savings. They can either avail of fixed-rate or variable-rate.

Commercial leases are mostly longer that residential and lenders may ask for higher down payment on a mortgage for commercial than home loan since generally residential real estate is usually less expensive so it is more affordable for small investor

Generally, this is affected by the primary condition to where the property is located. Profits or losses come through revenue from rent and appreciation of the estate’s value. There is also risk of tenant turnover especially if the business model is in bad condition, product is unattractive, or poor management and many more. So landlords, lessees has to make sure all is well set before lending the area/place.

Real estate can help you earn more especially if you are in hand with generating leads and setting well the properties in case you are into selling or offering rentals. You have to make sure you will be working more of what you invested. Usually property appraisals are of good and or high value, you just need to work on it. You must always and consistently putting your client’s best interests first. With that, your personal needs will be realized beyond your greatest expectations. Investing in this even on small scale, was tried and tested as true means of building an individual’s cash flow.

The Real Estate Resurgence of Glassell Park and Highland Park

Real estate in Northeast Los Angeles has been booming for years. We hear about it on television and in the news. Rarely does a news story get published where the term “Gentrification” is used to describe areas such as Eagle Rock, Mt. Washington and Highland Park, regions where home values have spiked. Is it something home-buyers and home sellers need to know?

By definition, “to gentrify” is to improve a house or district so that it conforms to middle-class taste. The middle class, or Bourgeoisie, is attempting to emulate upper-class standards. In the U.K., the gentry refer to people of high social position, specifically the class of people next below the nobility. Therefor the gentrification of an area is a process whereby those of lower socioeconomic status are forced out of a region in order to make it more attractive to the people of higher socioeconomic standing. Taking deteriorating inner city homes away from working class families to be renovated and sold to the privileged is also known as progress, or gentrification.

That is precisely what is occurring in the once run down neighborhood of Highland Park. This ongoing restorative transformation has helped to eradicate crime and strengthen the local economy. Juice bars and yogurt shops have sprung up in place of derelict Laundromats and liquor stores. Local businesses are now thriving, where the windows were once boarded up and car carcasses rusted.

Nowhere is this more evident than in the Northeast Los Angeles neighborhood of Glassell Park, where police not long ago bulldozed suspected gang homes in a dramatic crackdown on crime. Soon after, investors began investing in fixing up Glassell Park’s hillside view homes and property values began to rise with new shops and restaurants appearing in direct proportion.

At one time, Eco Park stood as the poster child for gentrification in Los Angeles. This forgotten slum went through a complete metamorphosis in the 90’s, turning it into one of the most sought after areas east of downtown. With Echo Park as a model, the restoration movement has continued its march east, rehabilitating other areas, such as Highland Park and Glassell Park, with great potential.

One telltale sign of the up and coming neighborhood is what is known as the Starbucks phenomenon. If this “7-eleven” of coffee houses has chosen to plant its green lady logo on the block, you can bet your bottom dollar that the ‘Hipsters are coming or more likely, the Hipsters have already arrived. This of course means that property values are climbing. In the historic region of Highland Park, York Boulevard is now book ended by Starbucks. Having a Starbucks on the corner is clear evidence that a moneyed community is on the rise. The values of homes for sale in Highland Park are absolutely exploding.

Another way of measuring affluence is by exploring the high volume of trendy restaurants, bars, and art galleries not to mention the cafes populated by too cool for school patrons everywhere. This enclave has become a hot spot for exotic dining among foodies and the like. Good eats just seem to go along with gentrification. That is one of the advantages. Today you can find French, Italian, Japanese, Vietnamese, and a wide variety of Vegan food in this once neglected district. It has become an amazing multi-cultural mecca. One more example of economic growth is improved public transportation. Business people can commute from paradise to downtown by train in a matter of minutes.

The median price for a house in Highland Park is now approaching seven hundred thousand. In relative terms, this area is still a bargain in Los Angeles’ exorbitant housing market. As the beautification of these older neighborhoods flourishes in NELA, the real estate naturally becomes more desirable and the property values escalate.

Shadow Inventory – What Is It and How to Find It

Many Investors have been asking me about shadow inventory how much is out there and how to get their hands on it. Shadow inventory usually refers to the supply of homes that has not yet hit the market, but “hiding” in the background. In Real Estate this refers to foreclosures (REO or bank owned properties) or those close to the process.

Banks and mortgage loan servicing companies typically hold onto properties that haven’t seen a mortgage payment for 90 days and in some cases even 2-3 years.

Why do they hold on so long?

Banks hold on since it allows them to release their inventory over time to keep their books in check and also to provide that easy liquidation to stimulate the real estate economy when necessary. Banks will now be getting more money for those newly released properties, then say 2 years ago, due to the steady increase in home prices and low inventory levels. If they chose to release all at once, it would flood the market with “distressed properties” and bring down property values.

How much “Shadow Inventory” is still out there?

Foreclosures have been steadily declining since 2013 with the highest shadow inventory then at 2.2MM. According to the National Association of Realtors, there is still about 4 years still on the books and it is possible that we could soon see more!

More “Shadow Inventory”? Why? (HAMP) Home Affordable Modification Program

In 2017 and beyond, many homeowners may find it difficult to make their mortgage payments due to “resets” with HAMP thus pushing them into foreclosure. The government’s Home Affordable Modification Program provided temporary relief to borrowers during the housing crisis. These reliefs ended after five years and now payments will be “reset” thus causing loan payment increases for nearly 900,000 homeowners. Some of those are likely to find it difficult to keep up with the payments in our current economy.

Where do Investors find “Shadow Inventory”?

Forget about calling the loss mitigation department or asking the cashier at your Big Bank. They won’t be able to help you. Instead, savvy real estate investors can approach the REO departments of smaller regional banks, credit unions and portfolio lenders to find out what could be “lurking” in the shadows. This presents an opportunity to beat out the competition and purchase at greater discounts.

But my favorite way to locate “Shadow Inventory” is what I call “Driving for Dollars”. Simply drive through areas that have high foreclosure activity and look for the white sticker posted on the front window or door of the house. This typically contains the information of the bank or asset manager of the property and their phone number. Give them a call and see where they are in the foreclosure process and if they’re ready to make a deal!

The NEW kind of “Shadow Inventory”!

There is a new kind of shadow inventory on the market these days and I’m not talking about the REO kind. Many successful agents have their own shadow inventory. If you’ve been in the business for an extended period and built up a clientele, these clients typically contact you well in advance of the property going on the market. You advise them of the steps needed to get the house ready to show which typically means doing repairs such as paint, carpet, landscaping, staging, etc. Therefore, there is a period of time before the property actually hits the market creating a different type of shadow inventory. Contacting your favorite realtor about this type of inventory can definitely increase your chances of finding that Dream home.

Happy House Hunting!

4 Daily Habits to Adopt for Success in Real Estate & Life

Good habits are the foundation of wealth. If you watch successful people you will see their day is filled with consistent habits that save time, improve focus and ultimately help accomplish more daily. Successful people get up early, learn daily, make lists & set goals and track their progress.

• Get Up Early.

Make the first two hours of your day the most important. It will not only set the tone for the day but will give you a game plan for everything else that follows. These two hours can be used for activities you enjoy such as exercise, meditation or completion of a project or activity from the previous day. The early morning is free from distraction allowing you to do more of whatever you enjoy.

• 20 Minutes Of Learning Daily.

It is important in any business to know what is going on at all times. Trying to master every aspect of the business may seem intimidating but is less difficult if you spend some time on it daily. Regardless of how busy you may be you can squeeze twenty minutes of learning into your daily routine. You can find this time on an audiobook driving to or from an appointment or on the treadmill as you get some exercise in.

• Make Lists & Set Goals.

Success is often easier if you plan exactly what needs to get done. Before you go to bed you should plan for the next day. Tackle the toughest task first and go from there. Planning your goals not only makes you efficient but gives you a sense of direction and purpose. The most successful people in the world have one thing in common, they all say their goals out loud three times daily. This helps to reinforce their direction and keeps them on track in accomplishing their goals. Try it and see how much closer you get to reaching your goals!

• Track Progress.

If you don’t know what is working, is impossible to gauge the results? At the end of every day you should take some time to evaluate what you did to build on your progress. If you failed to do anything, you need to ask yourself why and then develop a new plan to stay on track.

You ultimately control where you go in Life. Changing habits is never easy but is essential for growth. Start by incorporating these four habits into your daily life and see the difference it makes towards your success.