Business & Property

How to Properly Organize Your Budget of Real Estate Business

When it comes to budgeting real estate business, every investor may choose different strategies. However, you need to be more cautious of budgeting issue if you choose personal financing. It is important not only to create but also maintain your budget. When it comes to managing your budget, it means more than balancing your checkbook. It is not less important to formulate a complete picture of your personal finance health. From the picture you gain, you will be able to get proper information and make the right decision. Creating budget is one thing. Organizing budget is much more challenging than most people think. Besides, it should serve financial interests.

Important things in organizing budget

Organizing your budget is not only to balance the cash flow but also to give you more opportunities to achieve your personal financing goals. Here are important things to do to organize your budget of personal finance properly:

  • First thing first, you need to know your credit score. The better your credit core the easier for you to organize your budget. Healthy credit score will allows you to gain lower interest rates. Thus, it will help you to buy a home, build equity, refinance debts, invest in another property, etc. With better credit score, your opportunities will be wider and more various. It includes financial opportunities to help you grow your business even more. There are many things you can do to improve your credit score such as paying bill before due, making payment arrangement by contacting creditors, etc.
  • Finance is about measurement and management. Thus, when everything is measured then everything is managed. You need to track every expense and you need to keep in mind that budget is a organic document. It often changes from time to time depending on what influences it. Prices, temporary fluctuations and unexpected expenses can change your budget. Thus, don’t treat your budget as a fixed thing. You need to make it more flexible. Everything in your life can affect your overall budget. Even though not all changes are bad, you need to keep tracking every expense so you can make quick decision when something changes.
  • Another thing you need to do to organize your budget is to be savvy and smart. You can do it by taking advantage of high technology such as financial software platform. It will be very helpful especially when you don’t have degree in finance. In running your business, you need to at least understand about the basic of personal finance. With the right financial software, you will be able to explore different scenarios so you can calculate your next moves.
  • By organizing your budget, you will have clearer preview of your financial health. Thus, you will know what to do to boost savings and know exactly what it is for. You need to create positive financial goals such as starting a business, buying another investment of property, etc. By setting up your goals, you will stay motivated to run your business by properly sticking to your budget.
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Business & Property

Why Choose Hotel If Bali Luxury Villas Is Much Better?

Bali luxury villas are in great demand and easily accessible than most people think. Planning a trip to Bali, most likely the first one you are looking for is a hotel room. More comparison of accommodation search is better, and checking the possibility of staying at Bali villas is a good idea. It is possible that you will be surprised at the results of the accommodation search results.

Bali Luxury Villas

Luxurious And Affordable Bali Luxury Villas For Save Money

Bali luxury villas have been designed by investors as a beautiful and comfortable temporary residence. There are lots of pictures on the internet that inform how beautiful and calm it is to stay in a villa. The concept and price of Bali luxury villas offered do not make most people afraid when compared to the resort or hotel rentals.

Most people think that it is more practical to stay in a hotel than a villa. In fact, villas are far more comfortable and not inferior to facilities or luxury. Sights and holiday activities in Bali are part of the reason Bali has captivated travelers, regardless of domestic or foreign travelers. The main thing is how Bali luxury villas have taken over the comfort and pleasure of travelers while on vacation.

Especially for those of you who want a quiet and relaxed vacation, you don’t have to go far to look for fun while on vacation. You can enjoy the villa’s facilities and immerse yourself in the traditions and culture of Bali. Bali luxury villas are intentionally built in the local area, so travelers can feel the atmosphere of Bali.

Resort or hotel does offer beautiful accommodation but does not offer a touch of exclusive, luxury and privacy. Some of the many facilities that can be obtained by all travelers when staying in Bali luxury villas.

  • Private area with its own door
  • private pool
  • kitchen and equipment
  • semi-outdoor dining room
  • semi-outdoor family room
  • Private garden

If possible, the villa staff will help find an impressive trip around Bali. For Balinese cultural travelers, it is a small feast for their eyes. Finding Bali luxury villas and staying for a long time is perfect. You can find a lot of folk parties or other Art Parties that take place in June-July. Why hesitate to take Bali luxury villas as a temporary residence. In fact, Bali villas are better in everything compared to other accommodations. Don’t forget to take a walk around the villa to enjoy and see the activities of the locals who are known for their hospitality.

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Business & Property

Improving Your Real Estate Business From Every Aspect

New Year means new resolution and it includes your real estate business resolution. It is common for real estate investor to set some goals for New Year. And plan some strategies to achieve them. However, achieving goals is not the only thing you need to do to welcome New Year. It is also important for you to evaluate your business. Thus, you will have perfect picture about what you are going to do in the future to improve your business. Lots of investors sometimes too focus on making profit and forget to make necessary improvement to the business.

Improving Your Real Estate Business From Every Aspect

How to improve your real estate business in details

Improving your real estate business means you have already look into the future. If you want long-lasting business, it is not only profit that you should focus on. It is also important to improve your business from every aspect. With improvement, you will be able to expand your business and make it grow bigger for years to come. Here is every aspect you need to improve to keep your real estate business progressing:

  • The first aspect that matter and bothers you a lot must be finance. Sometimes, it is stressful to think about your financial situation when it comes to real estate business. The bottom line is indeed the most important number in the business. Therefore, you need to know exactly your financial situation including where you spend your money on every deal. If you are not confident handling finance, you can rely on professional accountant. Their service will be worth it. When you can keep an eye on your bottom line, you will always what to do since you have better view of the situation.
  • Next aspect is your lead source. Most investors often take it for granted. However, you should never do it and treat it like it the most important thing that your business needs. It can be the backbone of your business after all. No matter where your lead sources come from, you need to make sure they continue to provide deals. Existing sources are the majority of deals you can gain. Thus, improve the existing sources by contacting them regularly, keeping in touch in many ways, etc.
  • Next aspect is the people that work with you. Your team is valuable asset for your business. They consist of attorneys, mortgage brokers, realtors, contractors, etc. They have direct impact on your business today and in the future. Improving your relationship with them is essential to keep your business working productively and efficiently. When you have solid team to work with, it is easier to handle your business and make it more profitable.
  • Another aspect you need to improve is your knowledge and skills. Real estate investing industry is prone to changes. Thus, you need to constantly update your knowledge and educate yourself more about the business. You can do it by spending 20-30 minutes reading or researching new niche or joining local real estate investment club. You can also improve your skill by attending seminar, workshop, etc.


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Travel & Leisure

How to Execute the Perfect Komodo Liveaboard Holiday with Partner

It’s widely believed that travel helps couples to stay together ad ignites new sparks of romance that might have long been dimmed. For couples who have been bored to death with stale daily routine, travelling to new exciting places will certainly be a breathe of fresh air. Among all destinations, the UNESCO protected Komodo National Park might be one of the best travelling destination for couples. Komodo is a perfect blend of beautiful sight to behold with dramatic adventure to seize. Nothing is boring in Komodo. Above is all, the trip offer one of a kind Komodo liveaboard which will bring unforgettable memories for your couple trip. 

How to Execute the Perfect Komodo Liveaboard Holiday with Partner
Couple having a good time in Komodo via Hello Flores

However, Komodo is a new strange place that can be quite a challenge for a trip with another person. To launch a successful couple trip in this dragon-infested destination, here are a few tips of what you can do

Plan everything down into details

Whatever the trip will be, planning is a key. Nobody wants to show up in a strange place without anything clear to do. A clean planning will give you clear travelling direction—no time waste for confusing of what to do on the day during the trip. 

This planning should include:

  • Whether you will go directly for the Komodo trip after landing in Labuan Bajo’s airport.
  • Whether your Komodo operator/ hotel provide airport pick up or should you arrange your own.
  • How much time you want to spent in Labuan Bajo before and after the trip.
  • If spending a night in Labuan Bajo before or after the trip is on your planning, that means you need to book all hotel room for the needs.
  • Browsing the right Komodo liveaboard that suits your travel style. Select carefully and only book liveaboard operators that looks professional and trusted. There’s a lot of scam out there who are more than ready to strip away your money.
  • Create budget estimation. Thich should cover all travel expenses, liveaboard rate, entrance fee to the Komodo National Park, and meal expenses prior and after the liveaboard trip.

Backup your partner in area they lack of—and vice versa

When you have been together with your partner for so long, you would know so well in which area you and your partner usually cover each other. I, for example, am a terrible cook—but I am blessed with superior packing ability (neat, compact, and efficient) and tidying up the house. My partner, in the other hand, has almost zero ability to pack or clean up anything—but he’s such a talented cooks. He has no idea about budget management, but is extremely reliable to protect me from any threat—especially in a strange and dangerous place. So we divide the tasks based on our ability and it get our trip preparation run much smoother and efficient.

Don’t carry too much baggage

Travelling with Komodo liveaboard is very different with regular travel when, say, regular hotel-stay kind of travel. Though you have booked a special cabins, you still need to limit your baggage. You don’t want all the precious space in the cabin are completely wasted for the luggage only, do you? Beside that, remember that big loads of baggage will be much difficult to be carried in and out of the liveaboard.

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Business & Property

How to Implement Your Real Estate Education to Practice

To understand more about real estate business, you need to pursue education. The principle of education is to gain knowledge. However, there are many ways you can gain knowledge about property business. Traditional education such as formal school is not the only choice you have. There are many programs you can attend to earn information and knowledge of how to run property business the right ways. However, no matter how much knowledge will go to waste if don’t know how to use it. Thus, it is also important for you to know how to implement your theoretical education into practice to gain real experience.

Implementing real estate education into action

The purpose of real estate education is to learn about deal structure, local markets, financing, and many specific parts of the business. However, there are also many things you can learn about real estate business only if you jump into practice. Thus, you should know how to succeed in running real estate business using the knowledge you have gained. Here are some tips to do it:

  • It is important for you not to be indecisive in running your business. Of course, there are times when you feel like waiting for the perfect time to get perfect deal. However, you have to take a leap of faith instead of keep waiting and selecting. That’s what the education for. You should use it to guide you not to make you more confused. Keep in mind that every deal comes with its own risk. However, you can use your knowledge to know more about the risk itself. Thus, you will know what you should do next.
  • Always let real data and guide your way instead of personal feelings. You must have known that real estate industry consist of competitive investors. It may be hard for you to back off when your potential property becomes a target of other investors instead. However, don’t let your pride eat you. Instead, you can rely on the number and data to help you making decision. By analyzing the data, you can choose whether to be persistent or walk away.
  • When you don’t know something it doesn’t mean you are less credible. In fact, there are many things you don’t know in real estate business no matter how long or how hard you learn about it. Instead of acting tough or confident, you can just admit it. However, you need to show that you are willing to find out something that you don’t know. That’s the principle of education anyway.
  • Learn more about the market since it is the real world where you will learn many things about real estate business. You can start by running with an investing niche that you enjoy the most and are knowledgeable in. You can try to become expert in in the market. This way, you will keep gaining new knowledge as well as experience real things. When you have understood everything you’ve learnt, you can talk about it at networking events, blog, etc.
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Business & Property

Reasons Why Should Choose Canggu Villas

If you ask the most popular and favorite locations in Bali, especially for foreign tourists, then Seminyak, Canggu and surrounding areas are the answer. For most people, staying at a luxury star hotel is a prestige. But nowadays, tourists are more cleverly looking for alternative places to stay while vacationing in Bali. There are many reasons why the area is excellent among tourists, regardless of domestic or foreign tourists.

Canggu Villas

Canggu Villas, Classy Temporary Residence

Where do you live while on vacation in Bali? Seminyak! Canggu! This is a prestige. Seminyak, Canggu and its surroundings can be said to be a luxurious area with all its complete facilities. When Seminyak is crowded during high season, tourists begin to shift to the Canggu area. Canggu is a charming village with views of green and natural landscapes. For tourists who choose tranquility, then Canggu is very appropriate.

Canggu villas are the best place for your residence, where everything has been prepared to spoil you. Deciding to stay in Canggu villas while on vacation makes your quiet vacation unforgettable. Many luxury facilities are the reason why many expats like and look for Canggu villas as a place to live. This area offers international schools and Canggu clubs that are famous for children.

Canggu villas is a comfortable, prestigious and luxurious residence. For some people it might be reluctant to look for Canggu Bali villa rentals, because it is more resort-like. There are many opportunities for you to vacation and stay in Canggu villas. When choosing luxury Canggu Bali villas on the beach, of course there is a price to pay.

There are many rental agents, Canggu villas that provide you with many price choices. Whether the villa is independent or managed by the company. Canggu’s villas facilities can compete with star hotels in Bali. If you want a private vacation, then looking for Canggu Bali villas is right for you.

Canggu villas also offer the atmosphere and experience of traditional Balinese life. There are still many locals coloring around your villa. Seeing the daily lives of local residents can be the best experience for you and your family. If possible, hotel staff can schedule you to participate in traditional ceremonies. At least, you can see how Balinese culture and traditions are.

The spa and massage are special in the Canggu area. Special services and luxury provide the highest comfort of your vacation. Canggu villas are the best place for perfect vacation with family or honeymoon.

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Business & Property

Benefits of Handling Your Real Estate Business from Home

Working from home is now more and more familiar. It includes handling real estate business. Working from home won’t reduce the essence of work ethic. In fact, people find it easier to work from home. It gives many benefits than it seems. Thanks to technology that keeps advancing and improving, there is always way to do various tasks from anywhere. That’s why people are more and more interested to perform this practice and experience the benefits of working from home. Well, real estate business isn’t always bound to formal and traditional office.

Benefits of Handling Your Real Estate Business from Home

What kind of benefits gained from handling real estate business from home?


People try handling real estate business from home for some reasons. Some of them want to feel more comfortable environment, and some people want to know the efficiency of it. Here are some benefits gained from it:

  • Increased productivity is one of the most gained benefits you can gain from working from home. This is not an opinion but has been proved by comprehensive study. There is significant productivity boost among employees that work from home and handling all real estate business-related tasks. The study show that productivity increase about 13% over those who work from the office. It doesn’t mean working at the office is less productive. However, working from home can increase productivity due to many reasons.
  • Next benefit is to gain more focus in finishing tasks because there is less distraction. As the result, it will be easier to concentrate fully on work. Those who do their due diligence related to real estate business from home found it easier to focus since less people spotted at home compared to the office. It is even better when you live alone at home. You will be able to work without distraction and set your own rules in working.
  • For a company, trusting employee to work from home mean they can cut employee cost. It is gained by decreasing the amount of office space rented each month. Less employee working at the office means company doesn’t really need large building to accommodate. When employees work from home, it automatically reduces he expense that the company should spend monthly because then they can rent smaller building used for physical office.
  • It was also reported that when the company let their employee work from home, it decreased employee attrition. It even decreased by 50%. Employees took shorter breaks. They also had fewer sick days. It is understandable though. Working at the office means you need to drive and expose to pollution, virus, etc. Thus, it will be easier to get sick and results in sickness. It then decreases productivity. By working from home, you stay out of pollution, germs, and potential danger such as car accident.

Handling your real estate business from home is an option not obligation. However, it indeed gives you benefit as business owner. When you work from home or let your employees do it, you can expect for increasing productivity which can help growing your business.


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Travel & Leisure

Komodo Cruise: Sailing the Wilderness in Style

The archipelago in frontier Flores province of South East Nusa offers gorgeous beaches, aquamarine waters, and prehistoric-esque adventure. The once remote area is now brimming with travelers of all paths. Numerous boat tour meanders wherever passengers choose to go, and offers a close-up wildlife life on water’s age. Among all wooden boat available on the shore, Komodo cruise is still a favorite.

Unlike any other mega ship cruises that resembles floating real estate, cruises in Komodo is still taking its natural form. Made entirely of wood, sometime in brownish or coffee color, these cruises is a modern take of Indonesian authentic traditional schooner. Dont let the wooden interior fool you—they are often equipped with resort’s standards equipment and, in most luxurious cruise, even with bathtub and wraparound windows.

Komodo Cruise: Sailing the Wilderness in Style

Perks of Sailing around Komodo with Komodo Cruise

Cruises of Komodo is a perfect vessel for people who want to taste a pinch of adventure with style. Unlike other types of Liveaboard in Labuan Bajo, the cruisers don’t only sells a room and a trip. Cruisers on Komodo love to pamper their passengers with creature comforts and quality services. Sailing on one feels like a tasteful combination of relaxation seasoned with wild frontier exploration. Cruisers make sure you can enjoy the outlandish beauty of Nature’s creation from its stylish, comfortable loungers. 

With the giant Komodo dragon in mind, the wooden cruise will take you to one of the most unwinding trip you can have in the world. Every morning on the liveaboard you will wake up to an endless ocean, broken occasionally by savannah-covered islands. Flores salty breeze will greets you with soft blow as the cruise is heading deeper to the archipelago. Dozen of unknown-yet-so-gorgeous islands scattered around you, waiting for some foot strip to mark the virgin area. The cruise is your only ticket to go off-grid and see Komodo’s beauty, untouched by civilization

Sailing With or Without Itinerary

One of the perks from sailing with cruises than the smaller liveaboard is the chance to have flexible itinerary. Lower price liveaboard boats are often offered to open trip and come with rather rigid itineraries. Some times this can be irritating—taking away your freedom to choose what islands to visits, which dive site to plunge into, or when to do it. Sometimes, you don;t get what you sign up for. Komodo cruise offer more freedom to how you want to design your holiday, especially when your travel group hire the whole boat.

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Business & Property

Tips to House Hacking to Benefits You in Many Possible Ways

House hacking is now getting popular and many people started to try it. This is one of the most promising real estate investing strategies especially for new investors. There are lots of new investors who are discouraged in starting their career in real estate business because they haven’t purchased their own home yet. This is one of the hurdles they think is the hardest. However, house hacking gives new light in real estate investing and a great feat to try by new investors even when they haven’t purchased their own home yet.


Helpful tips to house hacking effectively

House hacking is real estate investing strategy in which the investor rent out part of the property they live in. For example, if you live in one of the units of your multifamily property then you rent out the others. However, it isn’t limited to those who live in multifamily property only. Even if you live in a single-family home you can rent out one of the rooms and it is still counted as house hacking.

There are various benefits you can earn from house hacking. First, you will earn passive income. Second, you have chance to learn more about real estate business and how it works through smooth transition. Third, your household expenses will be reduced. Fourth, you will be able to pay down your mortgage quickly and save up. Here are some tips for house hacking:

  • Before anything else, you need to know how to find the right and best property. You can purchase multifamily property so you can live in one of the units and rent out the rest. Or, you can also purchase single-family home and rent out one of the rooms.
  • Decide your funding source since finance is one of the most important keys in real estate investing. Keep in mind that by implementing house hacking strategy, it means your status is as an owner-occupant. Thus, determine what kind of funding that benefits you the most. There are various options you can choose. Make sure to choose the best deal for the loan.
  • After deciding funding source, you need to do market research to find the best property. Once you find it, you need to run the numbers. You need to analyze the deal and find out more about the value of the investment. In running your numbers, you need to make estimation of rental income and property expenses. You need to do thorough calculation which includes property taxes, rental income, vacancy reserve, insurance, maintenance, utilities, and operating expenses.

By following those tips, your house hacking strategy will be running smoothly especially in the beginning. It is important that you plan everything thoroughly because even though this strategy looks simple, you still need to calculate your steps since real estate business is about game number. However, house hacking is more flexible than other real estate investing strategy since this is the very beginning of your journey to property industry. You will learn everything eventually.

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Travel & Leisure

Crucial Topics Scuba Diving For Beginners

Luckily if you live in an island country. For islanders, snorkeling or diving are not extraordinary. Diving is fun but needs preparation especially for beginners. You must take part in scuba diving training for beginners. This is the main of the main ones. There are many things that beginners must know before starting scuba diving.

Scuba Diving For Beginners

Non-Certified Diving is Not Prohibited

Don’t equate swimming with diving. Underwater conditions are far different from land or swimming pools. Before diving in any waters, you must pocket a diving certificate. Dive centers are spread throughout diving destinations. If you have set goals, find information on the best destinations for scuba diving for beginners. Don’t choose your diving destination, because not all dive spots are right for beginners. The point is to choose the right spot to dive, take scuba diving lessons for beginners. 

What happens when diving?

This is important information before doing scuba diving for beginners. Did you know that the warmth of the body will disappear 20 times compared to when you are on land? All you need to do is squeeze where the ears will adapt to high-pressure conditions. The trick is very easy, namely by exhaling the air while closing the nose. Diving is clearly a fun activity that is risky.

Preparation What to Do Scuba Diving For Beginners

Able to swim and float

Swimming and float are included in the requirements for scuba diving for beginners to pass and be certified. You must be able to float for 10 minutes and swim 200 meters far without a tool. So if you want to dive but can’t swim, you should first learn swimming skills. Swimming skills are very important in diving. At least you can control and adjust easily when you first dive.

In A Healthy State

If you are in good health, you can do dives, the diver’s requirements are healthy. We do not know the exact conditions under the sea. Weather and currents can change. You need a statement from a doctor that you are stated. Some health requirements that you must live to pass diving.

  • chest x-ray
  • overall health record
  • lung function
  • Electrocardiogram
  • sharpness of vision
  • complete blood test
  • urine test

It is possible to have several other tests besides the above medical tests that you have to do. Pay attention to some health conditions that don’t allow you to do dives. Scuba diving for beginners is an important start for you to pursue the world of diving. The introduction of diving equipment is important in addition to health checks. Everything related to diving requirements must be well equipped for the safety of your dives.

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