How to Separate Business and Personal Finance

Financial setting is one of the most important fundamental in business. You need to establish it so your business will stay afloat. Of course, it is not the only things that can determine your success. However, it is crucial for the future of your business. However, one of the most common mistake done by many business owners is mixing up their business and personal finance. It is not only a matter of personal preference. It results in some legal consequences too. Therefore, separating business and personal finance really benefits your business.

Tips to separate business and personal finance

Running your own business means you need to be dedicated in slotting your energy and time so you can make sure that everything is on the right track. One of the right thing to do is to separate your business and personal finance to avoid further problems. It is not an easy task especially in ht beginning of your business. So here are some tips to do it:

Open bank account for business. If you have already had personal bank accounts you use for your daily expenses and transactions, don’t use it for your business transaction. Instead, open the new one that you will use for your business transactions. This makes your business looks more credible and professional. Besides, it will easier for you to keep track of the record of your business’s finance.

To make it easier to separate your business and personal finance, pay yourself a salary. Transfer monthly salary from your business account to your personal account. This way, you don’t have to use your business account when you have personal expenses to pay. You can just use your personal account because you earn your salary. This benefits you as you can control and manage your monthly personal expense. You may be the boss but you deserve a salary after working so hard and use it for your personal needs.

Managing business expenses can be difficult. Thus, you may need a business credit card to handle all your business expense. It is better than using your personal credit card. Besides, banks tend to offer rewards program for business credit card owners so you can take advantage of it. Ensure to choose the right credit card with the options that your business needs.

To make it easier to differentiate between business and personal expenses, document all the transactions and expenses of your business professionally. This makes you easier to keep track of your business and you won’t find difficulties if someday you need documentation for your financial settings.

You can manage the separation of business and personal finance manually. However, it is even more efficient if you use technology to help you managing them. You need to develop system so you can track your business and personal finance efficiently and separately. There are accounting software you can download for free. Use advanced technology as tools for you to make your work easier. Choose apps that fits your needs.

Scuba Diving Lessons For Beginners and How To Choose Training Agencies

Being a diver is not easy and requires a lot of processes to be able to have a diving certificate. Scuba diving lessons for beginners are one of those who are required to be certified. Through training, you will be taught how to control yourself while in the sea and learn basic diving skills and the use of good and proper diving equipment. In fact, there are many potential divers who turn out to spend time and money in vain. Why? Because they chose the wrong training agencies. Not necessarily the dive operator you choose is the best and the best quality. For this reason, the selection will greatly influence your diving training.

scuba diving for beginners

How To Get Scuba Diving Lessons For Beginners?

When looking for dive operators and training agencies on the internet, there will be many debates which are better and more reliable. On the other hand, it is clear that the Professional Diving Instructor Association is the largest scuba diving certification institution in the world. Why are there still many unnecessary debates? If you ask 10 people there will be at least 6 different opinions and that is natural. Everyone has their own views and opinions where certified diving agencies are the best.

A frequently asked question is who do you start scuba diving lessons for beginners? Where can I use it when it’s certified? When starting to search for diving training, then you have to find the details of the diving certificate you will get. PADI as the world’s best scuba diving agency ensures all PADI certified divers can be accepted anywhere in the world. It’s not difficult for you to join other PADI certified divers to explore underwater spots. Or, you can find and continue the delayed training. Good and precise decisions when you take a trusted training scuba diving for beginners.

Actually, all dive agencies are in accordance with ISO standards, but each has a way of implementing them to divers. For example, PADi provides scuba diving lessons for beginners with high-standard and offers the convenience of prospective divers to learn through reading material, online training, videos, along with experiences. Theoretically, it can indeed be done online, but the evaluation is still done directly by the instructor. So even though your theory is very perfect, it won’t mean without you being able to show practical skills.

The Ways to Start, the Obstacles and the Strategies of a Cooking Course Business

Do you intend to do a cooking course business? Smart cooking is one of the important things for every woman, especially those who are married and have children. Even though it is not a necessity, it should be a woman who is more happy and pleasing to her family members when she can cook. On average, mothers or women like to cook to meet their family’s needs.

If you are accustomed to, or you like providing food at home, this can be a potential business to increase income, namely by setting up a cooking course. Many benefits from setting up cooking courses, including increasing the skills of young mothers and women in cooking. It can even encourage course participants to dare to start a culinary business.

How to Starting a Cooking Course Business?

Do you really want to start a business of cooking course? If you are very serious about starting a cooking course business, here are some important things that you need to prepare:

  • You have to prepare a special room in your home or you may rent an adequate place to be used as a learning class and cooking practice.
  • You should be good mastery of gastronomy and everything related to it.
  • It is perfectly important to for you to prepare some cooking utensils and delicious recipes.
  • You should also prepare the cooking ingredients that will be practiced.
  • It is a must for you to promote your business to mothers or young women around your place of residence, either they are your relatives, friends, friends or neighbors.
  • You had better record people who are interested in cooking courses.
  • Then, start to make a concept of setting schedules and curriculum.
  • You are also required to arrange a simple module or syllabus about the world of cooking, recipes, and so on.

The Barriers of Business

Each business has some obstacles even this business. Here are some obstacles that you might encounter in starting this business:

  • There will be irregular enthusiasm from participants. It is crowded when first starting the course, but gradually decreasing one by one.
  • There will also be any busyness of mothers or women every day, both taking care of the household, delivering school children, and others.
  • Trivial thinking about this business is because there may be some people who think that cooking can be learned by themselves through books or reading magazines and tabloids specifically for cooking without having to be tired of taking a course.
  • The speed of the participants in capturing the course material is not the same, so is the application.

The Strategy of Cooking Business

What are the strategies to do this cooking course business? You can learn several strategies for doing the following cooking course business so that you are successful in running this business. Check it out!

  • Perform vigorous promotions to mothers or young women in your area or other areas through brochures, leaflets, text messages, or verbally while attending a social gathering, invitations, and so on.
  • Give door prize bonuses for course participants at the end of each course period. You can prepare a cooking utensil in the form of a pan, pan or anything as a gift.
  • Apply affordable rates or fees.

Now, you can easily and surely start this cooking course business. Good luck!

Expressing Yourself At Canggu Tattoo

Tourist destinations are certainly related to many unique and interesting things. A tattoo is a popular one and even now more tattoo lovers are women. A tattoo is no longer a symbol of bad people but rather an art. The type and design of the tattoo have undergone many changes and is a very popular body decoration. A tattoo is a work of art that even in 2018 a tattoo contest is held in Bali.

Looking To Know The Best and Quality Tattoo Canggu

It looks very simple, where a tattoo is a stab wound made on the skin which will be filled with ink. Tattoos currently offered are permanent and temporary. For a permanent tattoo, it will last very long and may not be eliminated.

There are many Tattoo Canggu that offer the design of a quality and professional tattoo artist. If you are interested in making a tattoo, the first step is to consult with the tattoo artist starting from the design and meaning of the tattoo that will be displayed. Professional tattoo artists don’t just make tattoos but can give meaning.

Does it hurt?

This is the benefit of consultation before deciding to make a tattoo. When you decide to make a tattoo at one of the spots on your body, a tattoo artist will provide detailed information. Making tattoos can be very painful and can take hours or even days. Pain depends on where the tattoo will be made. But professional and experienced tattoo artists can help reduce pain. This is important for you to compare and look for Canggu tattoo with professional cognition handlers.

Canggu Tattoo For The Best Body Art

Wherever you find Canggu Tattoo, the most important thing is to finish it safely. It should be noted that tattoo wounds need to be treated. Not all Canggu tattoo studios apply steps that can help you avoid infections and diseases as a step in your own safety.

Before deciding to make a tattoo, make sure you see a doctor if you have heart disease, allergies, diabetes or diseases that can affect the immune system. The doctor may be able to recommend preventive measures before making a tattoo.

Choosing Canggu tattoo studio is important. You must make sure the related store is clean and safe. Some important objects that must be considered before the implementation of tattoos such as needle puncture, ink, gloves. Make sure that the equipment is not used by more than one person.

Ensuring a Canggu tattoo license is a must. Of course, you do not want to be handled by tattoo artists who are unprofessional because a tattoo is an art that you will carry for life.

Things You Shouldn’t Do When Property Downturn Happens

If you have yet experienced a downturn throughout your career in property business, you need to anticipate it. A property downturn can turn investor into a panic mess, make poor decision, and end up with failed business. It is true that property market somehow can affect your property investment more or less. However, it is not the only factor that determine your success. What you need to remember is that everything in property market happen in cycle. There is always regular flow of things that happen from time to time. The more experience you are in this field, the more will you know how to handle a property downturn period like it is not that big of a deal.

Mistakes you shouldn’t do during property downturn

Property downturn can lead investors to excessive anxiety, fear, and stress. If it is not handled well, it can end up in bad decision making. Surely, a downturn can be terrifying because it is like your investment is being put on the edge. It pressures you to make quick decision out of fear and panic. Therefore, it is important to stay cold-headed and calm when this kind of situation happens. Of course, it is not easy but it is not impossible either. Here are some mistakes you need to avoid in managing property downturn:

  • Over-analyzing the cycle. As mentioned before that everything happens in the market is a cycle. However, it is not a wise decision to time the market. You should know that even the experts can’t do that. It is wrong to think that selling your property and getting back into the market again when the situation gets better is a good idea. The truth is, there is no really such thing as the right or wrong time. Thus, handling property downturn by timing the market is a mistake you should avoid because it doesn’t work that way.
  • Seeking help and advice from wrong people is also a mistake that most inexperienced investors do during a property downturn. You see, even the real experts won’t really know what’s going to happen. Prediction is prediction and that will make everything seems possible. When a downturn in the market happens, do not take advice from the wrong people or reading media reports. Sometimes media reports are contradictory and confusing at the same time.
  • Focusing on finding a new hot spot. This is a mistake you are not supposed to make when a downturn happens. A hot spot today may become a nothing spot in the following years. Therefore, it is better to look for locations of investment property that will be able to outperform the averages in a long term. That’s why purchasing investment grade property in the right location is fundamental you should build from the beginning of your career. Checking the value too often is also a no. It will only make you more anxious and worried. Just make sure to treat your property like a business and do your usual homework to survive a downturn.

Bali Indonesia Diving, The Perfect and Ideal Adventure Destination

What is expected when you dive? Diving means having fun and getting fantastic underwater views. Then, of course, you want an interesting place to see and explore. Diving requires a lot of special attention starting from finding the best spots to the best time to dive. Each spot has the best dive time that is different. Diving with warm and regular weather is perfect and for this reason diving in Indonesia is more fun than in other locations.

Indonesia has the longest coastline in the entire world. No wonder there are many amazing dive spots to explore. Bali Indonesia diving is a popular one and is even included in the world’s best dive spot. Indonesia’s weather is very warm and perfect for diving activities.

How To Plan Bali Indonesia Diving?

Find trusted and professional dive operators

Bali Indonesia diving is a fun and stressful activity. But careful planning is a must for successful dives. There are many Bali Indonesia diving package offers for both beginners and professionals. Bali diving spots present many rare species and the beauty of coral. The underwater natural sensation is directly printed and surely taking the Bali package Indonesia diving will add to the impressive diving effect.

Finding dive operators is perfect for your dives in Bali. Dive instructors will guide and take you to the best diving spots. For the safety and comfort of diving, Bali’s initial planning of diving is to search for diving operators. As a recommendation, you can find an offer package from Dune Atlantis, as one of the trusted dive operators in Bali.

Where To Explore Bali Diving Spots?

Not all Bali Indonesia diving spots are allowed for beginner divers. Some spots require certainly certified divers to be able to explore underwater. Some popular Bali dive spots.

Amed

Amed is a beauty dreamed of by everyone, both natural and underwater. Amed is a paradise of extraordinary exotic beauty combined with the culture and friendliness of the locals. Amed is a spectacular dive site. This location is also one of the perfect locations for macro photographers.

Nusa Penida

Although it takes time to get from Bali to Nusa Penida, this is a spectacular dive spot. You will find manta rays and sunfish, which are rare and large-sized species. This is the Bali Indonesia diving spot that is highly sought after by world divers.

Bali Indonesia diving is amazing and is enjoyed by all beginner and professional divers in the world. Bali Indonesia diving is not the only amazing and spectacular diving spot. There are many other dive spots in Indonesia that are also interesting to explore.

Profitable Traits Landlords Should Own

Owning rental investment property means you have asset to manage. In order to gain profit from your property, you are not only managing your property but also tenants as well as maintenance. Of course being a property investor as well as landlord requires lots of task to handle. However, it’s going to be worth it once you can handle them all just fine. Being a successful investor and landlord is not every day. It is not only an easy thing to achieve. However, it is not something impossible especially if you know what profitable traits you should own in order to be successful in your property investing, especially in rental property.

Landlords with profitable traits for successful investing

Managing the property needs lots of hard work. Most importantly, you need to work with property manager to have everything sorted out. They can help you getting the right tenants and keeping them. And of course, they will also help you managing your finance. However, it is also important to have traits which are profitable not only to make you a better person but a better landlord and successful one. So here are examples of what traits you could possess as landlord and investor:

Treat your property like a small business

This is the right trait you should possess when you own a property. When you treat it like a small business, you will realize that you should manage everything organized. You should be willing to work with property manager. This is the way to make your job easier as investor and landlord because they can help you manage major points of your property business. However, it is also important to choose property manager that is proactive and protective of you as well as your interest as landlord. Make sure that you inform property manager to give you regular reports, reviews, and advice about everything happens to your rental property.

Keep a good term with tenants

Aside from business relationship with property manager, you should also keep a good term with your tenant. Not every landlord is willing to make good relationship with their tenants. However, keeping on good terms with your tenants is a good trait because you can get benefit from it. You don’t have to build friend-like relationship. You just need to make sure that you keep open lines of communication with them. Thus, they won’t be afraid to make reasonable request and you can keep them happy. Content tenant means less hassle you need to deal with.

Understand and educate yourself

Another profitable trait you should possess to be successful investor and landlord is the willingness to understand your own strength and weakness, and never stop educating yourself. You should know that sometimes you need help from others or need other’s skill to solve your problem. It doesn’t make you weak. In fact, it makes you smart because you know your capacity of your work. It is also important to keep yourself educated especially about property business and market. You can read related books or listen to some advices from experts and professional.

Select Seminyak Villas for Your Holiday in Bali

The list of the reasons why Bali has become one of the most visited destinations for retreat goes on and on. There are many aspects from Bali which keeps making people curious to visit and want to come visit again. If this is your first time in Bali, it is recommended to stay at one of Seminyak villas. Of course, Bali has large areas where you can venture to. Seminyak is not the only place you can visit for your holiday in Bali. However, Seminyak has everything you need to really enjoy the finest of Bali. You can easily spot fine restaurants, chill bars, boutique shops, fun café, beaches, and many more. It alo grants you easy and fast access to the airport.

Seminyak villas to choose

Compared to other areas in Bali, Seminyak can be considered as one of the most crowded one. However, it doesn’t mean you can’t enjoy serene vibe. You can still find piece of tranquility from the accommodation you choose. That’s why renting a villa is more recommended for you during your holiday in Bali. There are lots of villas in Seminyak that you can rent. To make it easier with searching and booking process, it is recommended to use a rental villa management company.

The Best location for accommodation in Seminyak

Seminyak is situated between Legian and Canggu. That’s why it grants you great access to most important places within close proximity. Thus, you won’t waste much time venturing around the place.

Petitenget is one of recommended area where you can stay and find the best villa to rent. It is located in more north of Seminyak. In this area, it will be easy for you to find boutique shops and fine restaurants. The villas situated in this area mostly offer luxury features started from amenities, services, to facilities.

Another recommended area is Jalan Kayu. This particular area has become one of the most popular places to stay since it is one on the main streets in Seminyak. However, its location is more inland and your access to the beach is not in short distance. This place is more suitable for peaceful retreat.

Double Six Beach is also a popular area amongst tourists. It is situated in the southern area of Seminyak and closer to the borders Legian. This is also famous amongst young travelers who like to chill and fun while enjoying their time in Bali in slower paces. Aside from hotels, there are various villas situated in this particular area. Thus, it is recommended to book beachfront villa so you can enjoy the view of the beach anytime you open your eyes.

Booking one of Seminyak villas in Bali is relatively easy, there are no complicated procedures and the payment method is clear. It is also recommended to book villa that really fits not only your preference but also needs. You also need to remember that the prices change depending on the season. During peak season or school holiday, the rate will increase and it will relatively go lower during low season.

Researching the Sites for Your Property Development Project

As an investor, you must have known already that location or site is important in property investing. Of course, buying an investment grade property is crucial. Thus, it is also important to research about the site first when it comes to property development process. There is so much of a site can tell you when you look at it. It is not only about where the site located but also about the general element of it should you research thoroughly. Remember that every project is unique so it requires different site to be perfect. Property development is a complex project to finish. Thus, researching the site is only the first step you need to take before taking another one.

Researching the Sites for Your Property Development Project

Why researching the site

Experienced investors are most likely braver enough to take property development project as their investment. It is not a small project because it involves big budget and higher level of risks. However, their goal is to get financial rewards at the end of the project. Everything needs to be started from by finding the right site and prepare it.

The reason why you should research a site is to find the perfect location for your development project. However, it is more than that. By researching the right site, you will get the chance to meet people who could be incredible at their work. While researching the site, you need to research the local market and contact reliable real estate agent as well as property strategist.

It might be a hassle to go from one place to another just to find the perfect site. To help your work goes smoothly, you need help from property strategist and real estate agent. Aside from them, you can also contact buyer’s agent who, of course, have knowledge of the local market that you can rely on. Furthermore, the people you should contact include people in the planning department at the local council. They are important to contact because they can give you important overview.

Don’t rely on cheap property

As investor, you must think a lot about your budget and general financial plan. It is common to think that you could save some money if you buy property at lower price. However, it is not always good to buy cheap property. The right thing to do is to buy investment grade property including when you are looking for the right property site. It is also important to not overpay. You need to make sure that the property you buy is worth every single penny you spent.

To make the right decision on which site you should choose for your development project. Do not use your emotional or personal attachment. This can mislead your thinking. Use only financial viability when choosing development site. Before researching, make sure to make a checklist of development site you want to invest. If all point of the development site are on your checklist, you need to buy it at the right price. If there are some points missed from the checklist, move on to the next site.

The Good and Bad of Sailing in Komodo Cruise

Komodo cruise is arguably one of travelers’ favourite to experience the Komodo National Park. Hidden from modern civilisation in remote frontier, the national park is comprised by chains of small islands in which traveler absolutely need a boat to roam around. However, Komodo has a lot of boat options and it’s not limited to cruisers. From fisherman boats, budget liveaboard, to luxurious phinisi, you have it all. Of course, cruisers sits on top choice, and here are pros and cons of renting a cruise in Komodo.

But before we get in-depth to the two sides of the coins, it’s better to know that cruisers in Komodo are nothing like 2,000 passengers mega-cruisers just like the Caribbean ocean liners with built in gym, five dining restaurant, a mall, casino bar, and tennis court. Cruise ships here refers to luxurious phinisi (Indonesian traditional schooner) boat and tend to carry smaller number of passengers than budget liveaboard boats. Most of them are entirely built on wood, adding a novel charm to the sailing experience. 

The Good and Bad of Sailing in Komodo Cruise

The Good of Sailing in Komodo Cruise

Stability

Most of cruisers in Komodo are built in 20 to 40 m long and that gives them stability to navigate in Komodo’s waters. Their bodies are made to withstand even the roughest sea tides. In normal condition, you won’t feel the sea as much as it would be in smaller boats. 

Intimate Onboard Experience

Most Komodo cruise takes no more than 12 – 16 passengers onboard, which means you will have plenty of chance to get to know them better over the course of your cruise. Plus, small number of passengers means that you will get more attention from the crews and the captains. This will make your cruising experience feel much friendlier. 

Bigger and Comfortable Cabins

Space are a luxurious thing when it comes to a vehicle, and cruisers are a good example of it. The more luxurious a ship is, the more spacious it would be. Cabins on a Komodo cruise are mostly roomy and well equipped with hotel-standard facilities. 

Spacious Social Areas and Complete Amenities

Despite of not having indoor gym and tennis court, a lot of cruises in Komodo still have upscale lounge, an ample dining room, sun decks, and even a sky restaurant. 

The Bad Side of Sailing in Komodo Cruise

Giving Up Phone Signals  

Not all ships provides wifi and when it does, the connection won’t be as stable as you would be on the land. This drawback is not exclusive to Komodo cruise, however. The lost of signals should be a common logic when you are sailing in the middle of the sea.  

Pricey Tags

With the facility, come the price tags. Of course, these cruisers fall on the pricier side than other selection of boats in Komodo. The standard rate to cruise range from 1500 to 7500 USD per day with usually minimum booking of three days. In peak season like Christmas and New Year, price could surge up—so better avoid these dates. 

Fewer Selection of Cruisers 

If you don’t want to spend a lot of time browsing through two dozens of boat options, this could be an advantage. The majority of boats in Komodo are budget and medium-priced liveaboard boats—there’s only several big phinisi in Komodo.