It would be hard to tell obviously without a careful assessment. To answer your question: headaches that are worse in the morning are commonly depression and hangover headaches. Cluster headache also causes morning headaches but these usually wake the patient from sleep.
Palpitations on the other hand may reflect anything from anxiety to a change in the heart's rate, volume of output, or more commonly, rhythm. Also anything that can lead to a change of rhythm can obviously lead to palpitations - so diseases such as thyrotoxicosis or pheochromocytoma can also lead to this picture. Please understand the limitations of internet communication in assessment of any medical presentation.
More commonly the cause of your symptoms would be something a lot more benign and may even be self limited. I only mention the more alarming causes to convince you that there is no replacement to a proper direct assessment by your doctor.
Dr. Tamer Fouad, MD
MB, BCh, MSc Internal Medicine.
Consultant of Hematology - Oncology.