Be Aware of Hidden Expenses of Your Real Estate Investment

In real estate business, finance plays important role. You will always need to calculate and estimate everything so every money you spend will be worth it. Thus, you need to be aware that property investment expense doesn’t end once you purchase a property. There will be ongoing financial setting you need to handle and sometimes there are unexpected expenses you should take care of. The most important thing you should do to avoid costly expenses is to purchase investment grade property. At least, it can deliver more than capital growth. Thus, you can make up for the expenses along the way. Still, there might be some hidden expenses while you are managing your cash flow.

Unexpected expenses you should be prepared with

Sometimes, unexpected expenses arise when you least expect it. It can be overwhelming and stressing. You may encounter more than one hidden expense along your investment journey. Instead of fearing them, better to know possible hidden expenses so you will be more prepared.

  • The most obvious yet hidden expense is maintenance and repairs. Even though you purchase investment grade property doesn’t mean you will be free from maintenance and repairs. Along your investment journey, your property will age and some maintenance as well as repairs will eventually be needed. Instead of waiting until something broken severely, it is better to keep everything in good condition through regular maintenance and fixing. For example, you can change window covering regularly. Routine inspection will help preventing you from spending too much money due to severe damage of your property.
  • Another unexpected and unwanted expense you may suffer in the future is vacancy. It is never a good thing for property owner to have their property vacant for too long. However, sometimes vacancy is inevitable. It happens when old tenants shift out and new tenants shift in. there is vacancy between the shifts which affect your cash flow. However, you still need to pay for the mortgage regardless you receive income or not. Thus, make sure to have financial buffer so you can survive from vacancy period.
  • Next hidden or unexpected expenses comes from property management fees. Hiring property manager is good strategy. However, it also means that there are fees to pay for property management such as a weekly percentage commission, lease renewal, and letting fees. If you have short-term lease, it will disadvantage you because you need to pay for those expenses in every six months. Thus, it is recommended to have a 12-months lease on your investment property.
  • Last but not least possible hidden expense is insurance. Building insurance premiums will be paid by your owner corporation fees if you own an attached dwelling. However, you will need to pay it yourself if your investment property is a house. There is also landlord insurance that you might need to pay. It is one of important insurance you should have to cover malicious damages by tenants. However, make sure to get the best deal for landlord insurance so you can still save your money.

Affordable Canggu Villas You Can Book for Your Stay in Bali

Bali is an incredible place for your holiday. It is perfect for romantic escapade, family retreat, or solo trip. One of the most recommended places to stay during your holiday in Bali is Canggu. International tourists are flocking the area every year to enjoy the finest of Bali from various elements including arts, foods, views, and authentic products. Thus, staying at one of Canggu villas just makes sense. However, many travelers misunderstood about villas in Bali. They thought that villa is only for the rich so it is only affordable for luxury travelers. It is not entirely true. Sure some villas have upgrade amenities and services as well as stunning architecture which make the rent pretty expensive. However, there’s still many villas you can afford to rent in Canggu.

Canggu villas recommendation with affordable rent

Renting a private villa in Canggu is wise decision especially when you travel in group. It actually can help you saving money because you can split the rent accordingly. However, you still can afford renting villa even if you travel solo. And here is recommendation of affordable villas in Canggu;

The Canggu Boutique Villas & Spas – This villa is only minutes away from Canggu Club and Seminyak Square. It consists of ten rooms. There is also private pool and LED TV featured in the villa. You can also easily access free Wi-Fi, as well as cable programming. Private bathroom with separate bathtub and showers are provided to each room. Just like its name, this villa provides you spas where you can enjoy the service include massage, facials, and other body treatments. Other amenities offered by this villa include express check-in, 24 hour front desk, airport shuttle, laundry service, and free valet parking.

Ardha Chandra Villa – This villa is located near Echo Beach and Perenan Beach, giving you easy access to enjoy sunset. There are six rooms you can rent for your stay which each of them features air conditioning and kitchen, completed with microwave and refrigerator. Each room also has private balcony so you can relax and sip your afternoon tea while overlooking the view of the beach. There is also garden in the villa where you can hold barbeque party. There is complimentary shuttle operating within 10 km. Thus, you don’t have to take a cab or public transport to visit some places such as bars, restaurants, or clubs. Aside from standard amenities, you can also ask for other amenities provided by this villa such as laundry service, luggage storage, or roundtrip airport shuttle.

The Zala Villa – This villa is affordable even for budget traveler. It is situated near Canggu Beach and Echo Beach. It consists of three rooms with private pool and LCD TV. There is also functional kitchen you can use. Other things to enjoy include onsite massage and outdoor pool. If you bring your kids, there is babysitting and childcare service to use. The best part of this villa is that its location allows you to enjoy rice paddies views. Friendly staffs are also charming and always ready to provide what you need.

The Changes in Business that Business People Need to Alert

There will always be changes in business that business owners and business owners-to-be should be alert. The changes can be in marketing, public policy, technology, finance, demands, etc. In order to make your business larger and more successful, as business-owner, you should prepare for the changes, so go on reading this article. Those who want to start a business this year, besides they should know today’s business trend, they also should know what kind of business best for them.

The changes in today’s business

The changing in business will include the use of artificial intelligence. It is trendy that in today’s business, people use virtual assistants and chatbots. These two definitely will help handle more customers. With a quick response from them, customers will feel more satisfied with your products and services. Still, as a business owner, you need real persons to get connected to their customers to build trust naturally. You should make sure that you have both human and artificial intelligence to handle customers.

Remember, customers need to be more comfortable in term of payment. Business owners should offer different kinds of payment methods and promise high security. In today’s business the use of credit card, applications like Paypal, and Bitcoins is still a favorite.

E-commerce business owners should know that in today’s business, customers want the products they buy come to them fast and free of charge. If business owners promise these two, they will get lots of customers. So, as a business owner, you should make sure that you cooperate with a reliable shipping company. New business owners should really learn about various shipping companies to get the best.  

Talking about changes in business is nothing without strategies in marketing and advertising. Today’s marketing and advertising trend will be more personal. The content of the advertisement will be personalized and high-value. When advertising, the use of customers’ review is the most effective.

Business owners in today’s business will provide a more flexible working environment like a remote work to allow their employees to be out of their office. Business owners have just to keep their employees’ retention and productivity appropriate and balanced.

Today’s Best Business

If you want to have a business today, your kind of business must be trendy and based on people’s demands. See the ideas below:

  • People are becoming more and more aware that plastics are harmful. So, it is great if your product to sell is to replace plastics. For example, you can produce cutleries and bathroom tools like toothbrushes and containers for shampoo and soap made from bamboo.
  • Lots of people now for different reasons love to be a vegan. There are also many people who believe that eating more plant-based foods is healthier than eating more meats. So, if your business is plant-based foods, you’ll have a bigger chance to grow your business.  
  • Almost anything goes digital today. Many people get hooked on their digital devices. Many are so obsessive about their smartphones. What if your business is a digital detox? The business will be ways to help people who are addicted to their smartphones. There are apps, dashboards, lights, etc. that can make people limit their addiction. It is also great to have a business like providing the tools for hobbies like painting and craft, the activities to make you ‘free’ from your smartphones.  

It is not that easy to nurture business. Having positive characters is a must as well. To be able to be successful in business, you should be hardworking, persistent, not tired to learn more and more about how to grow business, and courageous to your employees. The article about changes in business surely is beneficial to you, right?

Your Scuba Diving For Beginners Start At Home

Busyness makes it difficult for most people on vacation. Especially for scuba diving for beginners, they must set aside 4-5 days for training. Or you may not have access to a place that is suitable for scuba diving throughout the year. Is it possible for training to be carried out without having to go to diving destinations?

Dive in diving destinations with cold water or dive in warm water. But most divers prefer to dive in warm water. Diving in cold water has its own challenges and needs good preparation. Scuba diving training for beginners is very fun. Do you do training at dive sites or at home?

Most people really look forward to a holiday, but if it’s only spent at home, why not create your own pleasure? Search the internet whether there is a local diving organization in your country. Browse the best diving organization certificates that are recommended by many professional divers.

Scuba Diving For Beginners, A Personal Choice

Everyone has their own lifestyle. Facilities at the swimming pool at home may not be owned by everyone. Only special people with finances are above the average which allows having a swimming pool. Scuba diving training for beginners at home while on vacation is something new and fun. Or, you can look for associations that specifically offer scuba diving training for beginners in person. Many benefits of starting scuba diving for beginners at home. The lifestyle of people who are too busy allows commitment to do scuba diving training for beginners, whether at night or choose weekend training.

Advantages of Scuba Diving Training For Beginners At Home

  • Allows beginner divers to choose instructors to learn more comfortably.
  • The process of training for scuba diving for beginners can be more tailored to your ability to learn.
  • Personal training opens wide opportunities for you to ask questions to the instructor

The training schedule can be tailored to your vacation

  • Lack of Scuba Diving Training For Beginners At Home
  • There is no social interaction with other divers

It would be boring if there was a lack of reaction from the instructor

When you have to do training in the open sea, you will feel a pleasant interaction between other beginner divers. This will be your next vacation planning. Look for diving tourism destinations and complete scuba diving for beginners training to get diving certificates. Even though everyone has their own busy life, scuba diving for beginners training can always be done anywhere and anytime.

Improving Your Brain to Improve Your Business

Your whole body is your asset. It is priceless and that’s why being healthy is such a blessing. Running a business means you need to maintain your body to be 100% fit all the time because there are so many things you need to do and accomplish. Besides, becoming a successful business owner or investor cannot happen in a day. It can take years before you truly successful and wealthy. Aside from your muscles, your brain plays important role. How can you plan a strategy if your brain cannot function properly? Where the ideas come from? Thus, it is important to keep improving your brain ability not only for the sake of your health but also for supporting your business.

Improving Your Brain to Improve Your Business

Great habits to improve your brain

There are signs when your brain needs immediate improvement. Well, it is not as easy as recharging a battery or replacing broken machine. Improving your brain means you need to adopt certain habits and you need to do it constantly. Your brain is important in order for you to run your business properly. It is crucial because you need to think of rational decision, make strategic plans, and calculate risks, and find the exits. Those who success in their life have their own daily habits while the others don’t. Improving brain function can help increasing IQs, strengthening brain cells, improving memory skills, and accelerating thinking skills. And here are the tips to improve your brain function:

Reading

It sounds simple yet so many people still refuse to do it just because. Successful individuals are those who spare their times to read at least 30 minutes a day. However, it is not about reading romantic novel or fantasy. It is about reading something that can add your knowledge of something important especially about business if you want to improve it. You can read book about educational materials, biographies, self-improvement, or influential people. This is a soft way to educate yourself as well as improving your brain in non-aggressive manner.

Learning new skill

This sounds intimidating and time-consuming especially when you are currently juggling your time between your family and business. However, it doesn’t have to be heavy thing. You can learn simple skills. For example, you watch foreign movie. You can learn the language every day in light manner like memorizing five vocabs each day. This light exercise helps improving your brain. And who knows maybe someday you can you’re your language skill to score a clients from foreign country.

Physical exercise

Exercise is important in general. It is important to maintain your fitness so your body can function properly. However, exercise can also help improving your brain. You don’t have to go to the gym every day and do the weightlifting. You can do simple and cheap exercise such as running, biking, jogging, rope jumping, or swimming. Aside from stimulating your brain, it can help reducing the level of stress from your body. The more fit and healthy your body is, the better you can handle your business to run smoothly.

Flores Komodo Tour to Majestic Mountains

The majority travelers know Flores for its infamous Komodo National Park, a member of New 7 Wonder of the World, a UNESCO World’s Heritage, and much importantly, home for the last dragons in the earth. Ever since its nomination as the New 7 Wonder candidate, the Komodo quickly become an overnight travel sensation, drawing wanderers and wildlife enthusiast to the far-flung region. Today, people are signing up for Flores Komodo tour every day to sail around Flores’ beautiful archipelago and walk with the dragons in the isolated Komodo Island.

However, not much know that Flores has more than the infamous Komodo dragons. From the brimming marine life with incredibly rich biodiversity to high rising dormant volcanoes, the wondrous nature of Flores won’t stop to appease you. Now when you are done with the dragon adventure, it’s time to leave Labuan Bajo and get deep into the mainland Flores. Here lies two phenomenal mountains in Flores; Mount Kelimutu and Mount Inerie, that totally worth a visit.

Flores Komodo Tour to Majestic Mountains

Backpacking on Flores Komodo Tour  

If you want to make your path to Flores’ peaky mountains, be prepared for backpacking travel. This won’t be an easy trip, but the intensity of the challenges will keep the impression last forever in your soul. Unlike the easy breezy coastal holiday where you can take leisure in 5 starred waterfront hotel, accommodations on mountain climbing are more on the rugged side. Expect to find a very basic lodge to sleep in the mountain feet. When you have started to hike, you would likely be expected to camp in a tent. But isn’t that the true adventure?

The Three Dimensional Crater Lake in Mount Kelimutu

The 1,690 m above sea level high Mount Kelimutu would be a great start for our mountainous Flores Komodo tour. Being the smallest national park among six others between Bali and Nusa Tenggara Islands, Mount Kelimutu is known as the volcano-beginners for mount climbers in Flores. But don’t let the size deceive you. This dormant volcano offers spectacular wonders that are yet to behold.

Kelimutu, which name means “boiling lake”, derives from three lakes, separated by thin ridges of rock formation, that settles right on its dormant crater. It is beautifully haunting as the boiling lakes are, not only they are of different color, but also constantly changes its color without any preceding signs. The Kelimutu lakes are famous for being extra unpredictable for when and what color they would change into. One is turquoise, which is pretty consistent throughout the year, while the two others would wildly change into red, white, green, black, or dark as chocolate.

Science says that fluctuating changes of chemical and mineral balance plays a part in color transition, but Flores’ folklore has another say. The locals believe that the departed souls reside on these lakes. The bright turquoise is where the old souls dwell, the other one is for the spirit of young people, while the wicked go to the last one.

The Towering Mount Inerie

Once you set your feet in Flores, you would soon see of a towering mountain which presence is felt all around central Flores. That’s Mount Inerie, rightfully translated as the Beautiful Mother in the local language. The majestic mount Inerie rise in 2.245 mdpl high, its peak disappear in the hovering clouds. Unlike Kelimutu, hiking Mount Inerie is rather challenging with some slippery paths and steep slope. On certain condition, reaching the summit is almost impossible as it could be too slippery.

On the foot on mount Inerie spreads Bajawa settlements; big Flores’ traditional villages that scattered around the hills who still strictly adhere to ancient megalithic beliefs. Under the shadow of our Beautiful Mother sits one of the most famous community, the Bena Village. A visit to Bena would make an impressive Flores Komodo tour, as you would have a chance to see magnificent stone formations, ancestral shrines, traditional high-thatched roof houses, and prehistoric culture that still thrives until today.    

How to Prevent Your Rental Property from Vacancy

When you choose to invest in rental property, your task doesn’t stop after buying the property. You still have many things to handle. One of the biggest challenge is to find tenant. Well, it can be quite easy to find any tenant. However, finding the right one can be challenging. It is important to find the right tenant because your property is your asset. You need to make sure if the tenant will follow your rules and not break your property. Besides, not all tenant can pay on time each month for rent. Another challenge is to set boundaries with tenants so everything goes smoothly.

Preventing your rental property from being vacant

Owning rental property is a good thing considering you will have steady income from the rent every month. To do so, your property needs to have tenants. However, it is not uncommon for rental property owners to do many things to find tenants because vacant property is always not a good sign for business. So here are tips to prevent your rental property from being vacant for too long:

  •  Be realistic with your rent conditions. This may take time to learn since you need understand more about rental market conditions. It is often for landlords to increase the rent every year. However, it is not always a good thing because your tenant might just stop the lease and move out instead of extending it. You need to keep your rent in-line with the market. Be wise and tentative in making decision regarding to the rent.
  • Ask advice from property manager. Lots of landlords refuse to hire property manager to save their budget. However, spending extra cost to hire professional property manager will be worth every cent you spend if you get advice to help your property tenanted. By hiring them, you will know the situation of the market as well. This way, you will know what is going on in the market exactly. You will also know then what to do to keep your tenants.
  • If you don’t want your tenants to cut their lease, you need to make sure your property is at its best. Which tenant enjoy peeling paint or stuffed pipes? No one. Therefore. You need to make sure to take care of your property and make it look at its best. This way, you give your tenants enjoyable and comfortable space for living. Regular maintenance is necessary. If your property has been vacant for too long, you may need to assess to make it looks more presentable.
  • You need to learn how to be a good landlord to keep your property tenanted. No tenant likes cruel landlord anyway. It doesn’t mean you need to be overly clingy to your tenants just make sure you maintain good business relationship. You can listen to their request and consider it. If it’s a possible request, you can realize it. It can be a good way to make your tenants happy while improving your property.  

Tips and Things To Know – Scuba Diving Lessons For Beginners

Who can think of being able to breathe in water? Logically this is impossible. The theory of breathing in water has been solved by diving activities. Breathe in water with a certain depth using diving equipment such as tubes, masks, and others. Scuba diving is increasingly popular from time to time and even becomes a profession. Thanks to the scuba diving lessons for beginners, this is an activity for all ages.

Wherever you are going to dive, scuba diving lessons for beginners are very important. Training from dive operators alone is not enough. There are many things that need to be learned as the level of skill level or certificate is owned. Some of the many questionable questions are prospective scuba diving for beginners.

Frequently Asked Questions While Scuba Diving Lessons For Beginners

Does Scuba Diving Lessons For Beginners Guarantee Safety?

Yes, diving is safe. If you study well and use skills correctly, diving is the same as walking. Scuba diving lessons for beginners can reduce risk during dive and everything will be fine. Follow all instructor’s words and teachings while on the high seas and you will see how amazing the underwater world is.

How much does it cost?

To be honest, diving doesn’t come at a low cost, but it can’t be expensive either. Scuba diving lessons for beginners from each dive organization have different prices. Choosing the best is certainly a little more expensive. The benefits? You will be well received for diving in any part of the world.

Maybe people think that dive operators take a lot of profits for the diving program for beginners. But the price offered by most dive operators is the right price. There is a large fee for dive operators themselves. Instructor financing. boat rental, purchasing diving equipment, pool fees, transportation and many others.

The price of scuba diving for beginners varies throughout the world. So it is necessary to look for cheap dive tourism destinations while enjoying the trip after diving.

Is Diving the Best for You?

Many people are interested in trying scuba diving lessons for beginners. But are you sure to invest time and money in a foreign environment? When diving is an activity just for fun and is done during holidays, then the depth limit of 12-30 meters is enough for you. No need to pursue further training for prestige. Taking a certificate from the PADI organization is the right one for your diving training. You can continue diving training when you have thought about whether this activity is the best and right for you.

Things You Need to Know Before Buying Off the Plan Investment Property

Buying off the plan investment property is a property that hasn’t been built yet. However, there are many of them in the market promoted as promising project to invest in. you may have read or watch commercial about new apartment project proposal in quite large number. There are many investors who are brave to invest in this type of investment property. However, you shouldn’t follow what others do just because you think it’s cool or tempting. You need to know the good and bad in buying off the plan investment property. Thus, you know what you are getting into.


About off the plan investment property

Every type of investment has its own risk and weigh you should consider. Before buying property, it is highly advised to examine every aspect so that what you buy will be more valuable in the future. Doing buy off the plan is actually riskier than usual investment property that has been built. Here are things you should know about buy off the plan investment property:

  • Most people are tempted to do buy off the plan mostly due to the convincing ads and promotion through media. In the advertising, cheap prices are the highlight of buy off the plan. Thus, people are more interested. Investing in property with lower price than average is of course tempting. However, you also need to be aware of the risks.
  • There are many risks when it comes to buy off the plan. The major ones include oversupply. Besides, this type of investment property involves creation of primary and secondary market which cause another risk. For your information, second owner will not receive the same tax benefits. Second owners won’t also be able to claim negative gearing against their wages. It is different if you are the primary owner.
  • There is high risk for the vendor to drop the property value due to lower benefits to the buyers. Thus, it forces price reduction. The property values will falling significantly and of course it is not a good thing to happen.
  • It is rare for buy off the plan to make good investment. Thus, it is highly advised to think many times before deciding to do buy off the plan no matter how tempting it looks. It is highly possible for you to gain less that you paid. If it is not a good investment then why there are many people who still promote this type of investment and lots of people do it? Well, you might want to find out more about property development and how it works in larger scale such as apartment projects.
  • It is often that many off the plan projects being marketed won’t get out of the ground. Of course you will get your deposit back if this happens. However, it means that you just waste your precious time in investing something that is not worth your money. There are too many risks in this type of investment property so it is wise to not jump on it blindly.

Seminyak Villas with Tropical Vibe to Book

Spending your holiday to tropical places like Bali can be a healing treatment. This is how you can get rid of stress and burden from daily work. One of the best areas to feel tropical vibe is Seminyak. Thus, might as well consider to book one of Seminyak villas with tropical vibe. Bali is a great place to visit throughout the years. Anytime is ideal to visit Bali since the average temperature is comfortable and enjoyable for having tropical retreat. Type of accommodation chosen by visitors the most is villa, especially the one surrounded by nature like greeneries, rice paddies, or beaches.


Seminyak villas with tropical vibe

If you are seeking tranquility and entertainment for your holiday, Bali can provide them with ease. There are many elements of Bali that can make you feel awed. Most attractions are jaw-dropping that visitors always want to come back later. People in Bali are also sweet and welcoming. You can befriend the locals within minutes which shows how friendly they are. Thus, spending your holiday in Bali gives you enjoyable time especially when you choose the right villa to stay in.

  • Villa Waterlily – Just like its name, this villa is beautiful and lovely. It provides three tropical bedrooms fit to 6 persons max. Its location is next to the heart of Seminyak but a little bit hidden from the crowd. Most of materials of the villa are natural such as teak wood, bamboo, rattan, and many more. You only need to walk few minutes before arrive at Double Six beach. The living area is designed in tropical open-plan concept featuring alang alang roof. It is decorated with traditional artwork as well as tribal sculpture. There is also teak dining table situated at the right stand. For the exterior, it features swimming pool decorated with natural stones. It has garden as well as lotus pond for you to bask in fresh air.
  • Villa Mimi – This villa has cute name featuring three tropical bedrooms. It is situated in the heart of Seminyak and in walking distance to Seminyak beach. Aside from giving off tropical vibe, this villa offers luxurious, comfortable, and spacious accommodation. Each bedroom is equipped with satellite TV and DVD players. As for the bathroom, it features freestanding tub on pebble stones. The living area has direct lead to the koi fish pond and swimming pool. You can also read in the study room featuring library of books. The outside features swimming pool decorated with natural green stones. There is also gazebo next to the pool to relax.
  • Villa Arte – This is one of Seminyak villas with tropical vibe you can book for your holiday. It has four bedrooms with mosquito-netting bed. Each bedroom features bathroom with outdoor rain shower. There is also living pavilion with direct access to the pool outside. There is also tropical garden with stunning swimming pool completed with timber deck to relax. In addition, the parking lot is also spacious. The overall design of this villa is decorated with ethnic culture.