Author Archives: Tora Sidara

Taking Your Real Estate Business to Another Level by Building Solid Team

Real estate business gives more chance for you to get financial freedom. It means you have ultimate right in making decision and all. However, building real estate business means you need to be flexible to work individually and in team.

Building solid team real estate business

You must know that individual’s capability has limit. Even though you are good in many things, there are things in real estate business that need specific skills and knowledge. Thus, you need to trust your team to do their job based on their skills.

Building a solid team is a challenge because it cannot be achieved overnight either.

Building solid team for successful real estate business

Building the right team for your real estate business means you need to put the right people in the right place. If you success in building a powerful and reliable team, your business will be easier to higher up.

Taking decision of who is going to fill in certain position and who is going to take specific matter can be stressful. However, one thing to remember is that everyone in your real estate team play important role to build your business. Now, let me tell you about the things you need to build solid team to higher up your business.

As an investor, you need to be aware of the role of real estate agents. They are good source for potential leads and it is easier for you to find the right deals to close around you.

However, you need to choose the right agent not only the best one. Even the best real estate agent is possible to not fit you right. Thus, make sure you find out more about how they work and where they source comes from before working together.

Next important part of your team to consider is property manager. Some investors may say it is not urgent to hire property manager. However, you will need them if you run properties and aim to grow your rental portfolio.

Make sure to choose property manager that can handle your project well so that you can focus on other tasks. When you hire them, you won’t need to worry too much about rent collection, finding new tenants, and regular maintenance.

Contractors are also needed if your real estate investing focuses on rehab. It is important to hire high quality contractor.

The best way to find the right contractor is using personal referrals. It is more reliable since you gain information from people who have worked with the contractors. You need to find contractor that can supply you both references and availability.

Attorney also plays important role to take your real estate business to another level. Attorney will help you handling the deals and transaction of your business.

When you hire attorney, you protect yourself and your business from potential dispute related to legal issues. Make sure to hire seasoned attorney that can offer you dedication and passion. Choose attorney that is specialised in real estate and has knowledge about real estate in your area.

This Photo Studio Bali Seminyak Is Often Rented By Foreigners

We have known that Seminyak is a village that is so crowded. Its strategic location that is closer to the beaches and even the beaches themselves are included into its administrative area. Hundreds or even thousands foreigners are coming and going in a day and night. Many of them are enjoying their holidays and some of them are doing businesses. One of the place where the foreigners are stopped by is the Le Studio as the only one photography studio Bali Seminyak to take their professional business images and also for freezing their beautiful moments while still in Bali.

The photography studio Bali Seminyak that often rented by foreigners

It is just like what I have seen today after the break from where I am working now. I have seen some of the models, beautiful ones for sure, even though I don’t have an idea about the purposes of the images they were taking. For some minutes, I saw them in front of the studio Bali Seminyak while tapping their phones, talking and some other things that I don’t get paid too much attention.

I then realised that this Bali’s studio located at Seminyak is often rented out by the foreigners as what I have seen in the other days back. It is located at Jl. Plawa where the Seminyak’s main street is only a minute within walking distance.

I though that Le Studio is simply just a photography studio like any others, but then I knew that it is actually being part of the digital agency business line that located at the same building. But, whatever it is ran, whoever the studio’s photographers are, I am sure that the studio Bali Seminyak will be worth their client’s budget.

I then was searching about it and found the online information through the official site. And a thing that amazed me is that, if you are going to rent this Bali’s studio at Seminyak, then you will spend about Rp. 300,000,- per hour. For the professional photographer, I think that will be so much affordable and so on for the business lines that is using the rental studio.

It is because we can use all the photography tools that have been provided by the studio such as lighting, cameras and many more. The point is, all the basic needs of an indoor photography will be provided. That’s why the studio Bali Seminyak can be more interesting especially for the foreigners that may not bringing their own tools when visiting Bali.

The studio Bali Seminyak room itself is quiet big with the total length about 8 meters and its width 5 meters. There is an AC of course and also the dressing table for your models if you are bringing them.

And even if you don’t know and experienced enough in photography but needs to take the professional images either for your products as the business guy or else, you can ask the studio Bali Seminyak to provides you the professional photographers that they already have.

Of all the photography studio in Bali especially located in Seminyak, this is the first and the main photo studio rental I’d like to suggest you for now. And you know what, you may don’t have to think about the backdrops anymore.

Things to Consider when Seeking Out Commercial Deals

Commercial deal is one of the best ways for you to gain long term wealth in property business. Seeking out a way to expand your business and make bigger investment is something good to do. It means that you have progressed and able to think forward to the future.

Things to consider when seeking out commercial deals

 

With this, you may have seen that commercial properties earn higher returns even though they require more time, capital, and effort.

Of course, the risks are also to mention in this case. When you invest in commercial properties and get a bad deal then the impact may be as bad. The impact is worse due to its relative size of the transaction.

Things to consider before purchasing commercial properties

Gaining benefit is one of the main goals in running business. When you are ambitious to earn profit as high as possible, you may think that commercial properties are the best chance. However, as mentioned earlier that as the possibility of higher profit comes greater risks you need to be willing to take. Here are things you need to consider before purchasing any commercial properties:

  1. This is mentioned many times that location is the key in purchasing property n matter what kind of property you are looking for. It is not the ultimate factor which can determine your success but it plays great role to help you make the right investment. Remember that tenants have basic considerations; location and price. If you are looking for business tenant, location even holds bigger factor to consider.
  2. Next thing to consider is the price as well as affordability. There are differences when you deal with residential and commercial purchase. For commercial purchase, it requires 30% down payment. In addition, some lenders even need to require a certain number of months of reserve mortgage payments. Thus, you need to be aware that you are going to let your money tied up for several months in the process. There are various expenses you need to deal with. Thus, it is important to invest in property that you can afford.
  3. Next consideration in purchasing commercial properties is the number. This is quite different from a single-family numbers. Thus, it is important to understand your information source before making any number and choose only trusted source. The number for commercial purchase means everything that you need to be extra thorough with your calculation. You need to understand everything or else you will face with trouble in the future. If you don’t understand a thing or two, it should serve as a red flag.
  4. If earlier mentioned that location is important, market is not less at all. When location focuses more on immediate area and surroundings, market focuses more on local supply and demands. Thus, both hold important roles in commercial purchase. Market is indeed dynamic in sort of ways. It is quite unpredictable but still important to look at. It at least will help you to decide where you may be headed with your investment.

6 Bedroom Villa Seminyak With Great Services

Have you ever felt like the hotel room you have reserved is not as what it looks like in the image? You then feel depressed or at least will be disappointed by that. What if you are travelling with some of the family members and you are the one who recommended that hotel? Then you can be embraced by your own fault.

Today, I admit that I am not going to talk about the hotel rooms but about the 6 bedroom villa Seminyak – Bali. For me, it is important that the villa that is everything you see in the photos and that will likely the first image that you can see and feel. You are truly rented as what you have seen rather than feel the otherwise. It is a trip with your family members or with your best friends, so you should never feel the bad.

If you are interesting about that and need me to talk more, then I will tell you that the villa is called as the Hu’u Villas Bali. No need to see about the villa’s histories, so let’s see what you can actually get when you are staying in.

All the villas are have their own private swimming pools. If you see them in the pictures, it is actually bigger than that which is I think many of us are requiring to be so. Probably it is bigger than what you have expected or even needed. Most important about that is the pools will be cleaned every single day. And yes, you are reading it right!

6 bedroom villa Seminyak with private pools that cleaned everyday

If you are coming with kids or even baby that is even under 5 years old and have to be serves their own foods to avoid such allergic or in case it just a way how you are keeping their health, then you will need a refrigerator and the cooking equipments. You don’t have to worry about that since all of them have been facilitated in this 6 bedroom villa Seminyak.

So with the cleanliness for all your family members. If you are bringing the kids, you know that when it comes to eat, the floor or even the room can be so filthy. We all know and can understand that. Still, you have to clean that after eating. But you can actually don’t need to do that. You can really call the housekeeping staffs and ask for help about it. Within minutes, all the mess would be gone. I am afraid if you’ll wish to take them home for helping you with the housekeeping since their service is really professional and quick.

The village is also popular as the tourist destination. So, if you stay in this 6 bedroom villa Seminyak, then it can actually be the first important thing you have done. The villa is close to beach, Ku De Ta, Mrs Sippys and many great places to eat and drink, all within walking distance. Even though Seminyak is one of the central for tourists in Bali, but you can’t be really stuck in the heart of the tourist.

If you are prefer to make this 6 bedroom villa Seminyak as your main option over the hotel rooms, then that can be the smart move of what you have decided. This is the answer if you are looking for the cozy accommodation with a luxury and modern feel like “this is the villa I need to stay in!”

With a great design, professional and super friendly staffs as well as the amenities, I think your travel can be more beautiful and memorable while staying in this 6 bedroom villa Seminyak. Anyway, the villa concept is the interconnecting villas although there is also the other 1, 2 bedrooms villas or the 3 bedrooms penthouse.

Learn more about House Hacking in Property Business

Real estate business keeps growing each year. It attracts lots of people to start investing and trying out various strategies to make it through. Basically, there is always new real estate investing strategy emerges from time to time. It usually follows the trend and the changes.

For now, you might be interested to get to know more about house hacking. It is one of real estate investing strategies that fits for new investors. Lots of people feel discouraged to start investing in real estate due to many reasons.

One of the reasons is that they haven’t even purchased their own home yet. Is it really a big problem to start investing in real estate?

Find out more about house hacking

Find out more about house hacking in property business

House hacking is basically real estate investing strategy in which the investor earns rental income by renting out their primary residence? Is that possible though?

Well, many newcomers in real estate business have started this investing strategy and showed that it worked.

There are different types of house hacking. First is when the investor lives in one of the units of their multifamily property then they rent out the others. Second, they live in a single-family home and rent it out at the same time.

This option is mostly chosen for investors who don’t live in multifamily home or don’t want to purchase one. For investors who live in single-family home, they rent out one of the bedrooms, garage, etc.

According to real estate business experts, this investing strategy fits for those who are interested in earning passive income but still doesn’t really know or have the courage to start with the business. This is also a great way to reduce house expenses. This can be a good start for those who want to try investing in real estate career by baby steps.

Benefits of house hacking

Here are some benefits you can earn from house hacking:

  • As mentioned above that house hacking will help homeowner to reduce housing cost. That is basically the main benefit to earn. Of course, multifamily property has higher housing cost. However, renting out some units will significantly eliminate and reduce the expense to some point.
  • Next benefits is that house hacking is a very smooth way for you to start with real estate investing career. The transition is smooth since you won’t be overwhelmed with all difficult technical things. You will learn little by little how to be a good landlord and learn more about the business. Next, you will gain needed skills to step up the game.
  • House hacking is flexible investing strategy. Even if you are moving out to a new city, you can just simply rent out your property and still earn your income. There is no need to worry about your house.
  • House hacking helps you to earn extra cash from passive income. Thus, you will be able to pay down your mortgage quickly. In fact, you can even save up for your next investment in the future.

Lightweight Hammock Is Ideal For Your Camping Adventures

Don’t tell me that your last camping was when you were at the high school or was it when you were at the scout? Oh, God. So, when was the last time you enjoyed the camping? We have known that it provides us some great memories but sometimes we just don’t care about it anymore. That’s where I think that we were down to fault for sure. We forget about what actually makes us happy.

Camping should be a simple thing to do and it will only takes some of our times. Living in a modern society taught us about how to practically doing difficult things become simpler. Less hustles to dealt with. And that is where the lightweight hammock is standing for.

It is always a great way to just get out there and be at somewhere. When you are at outdoors in a way when you aren’t able to do in your regular basis, especially when you are living in big city, then camping can be more as your special occasion.

Lightweight hammock is ideal for your camping adventures

Camping allow people to become closer to nature. It is also can helps us become closer to one another by sharing many things. When you are doing it with your friends, then you will getting to know each other on a trip. If you are interesting in and actually are making the plan for your next camping after so long forgetting about it, then it’s important for you to pack the right items. So that, to enhance your trip experience, then you will need the best item which in this case is the lightweight hammock.

Lightweight hammock camping is the ideal travel accessory you can always bring along when you need to find some quiet outdoor spots. It will really a great thing to get when you are outing with friends or simply just to enjoy your “me time” in the middle of nowhere that you can considered as your secret gateway.

Sleeping in a tent may have not been left for some people, but if you are required the more comfortable place for that, then a hammock can really be something you are looking for. You will swing between trees without worrying about your back will be hurt by the gravels when rolling left and right.

Taking it to where you are going to camp is also never be this easier. The lightweight hammock will be easily being packed and mostly its volume will be perfectly fit in your backpack. Even if you aren’t able to put it inside the bag because you have other items to put and takes the hammock out, you can still tie it up outside the bag and keep on going.

The lightweight popularity can also be the first thing that will make you interesting about the hammock where you can even get a half of kg item.

If you think that the hammock will contribute in encourages you to do camping or at least being at outdoors after awhile, then it will really worth something that you should never missed. The original one that comes from its original manufacturer can even only cost you around $50 to say the least. It will really one of the best investment you have ever had knowing that it can be used for the next years. Many of the manufacturers are even guaranteed their hammocks for 10 years usage. What a revealing news to know!

You may think that you will also need to find more information about the lightweight hammock than what I have just informed. Let me tell you something that the only one thing you need to do is check your wallet or your save now and see if you can afford one of it. The longer you are thinking and waiting, the longer the leisures you will get. This is truly an ideal accessory for your camping.

Property Business Insiders Need to Invest in Environment and Sustainability

Whether you consider yourself a newbie in the property business or a seasoned veteran, the matter of sustainability should not be of compromise. If there is a one thing that everyone in the property business can agree on, it should be the issue of environment.

Environment and sustainability property investment

The largest impact can be made by the people who have the power. And “power” here translates to capital. To put it more plainly, money. Why should you (and everyone else) care about the environment in the real estate industry?

The issue of environment and sustainability is everyone’s concern

Environment should not be an individual’s issue. It is the collective responsibility of all of us who occupy the earth. The property business insiders have a particularly important role in improving the environment. One of the major issues of improvement that can be made is the issue of minimizing carbon footprints.

There are numerous issues that needed to be addressed and continuously improve upon.

Some of them include fuel and energy related activities, purchased goods and services regarding any construction activities, management of waste, the carbon footprint resulted in travel, as well as downstream leased assets.

It’s been identified that the majority of the real estate industry is made up by energy consumption throughout the life of a property, the process of construction itself, as well as the process of maintenance.

Minimizing carbon footprints caused by the real estate industry

Corporate footprints across all industries is undoubtedly the biggest culprit in environment issue. The real estate industry is responsible for much of the carbon footprints caused by constructions as well as the gathering of construction materials.

It’s been said that that the real estate sector had shown a good initiative to reduce the carbon footprint on the environment. This comes with a sense of responsibility, as the knowledge and capital in this sector made up for a great amount potential in both improvement and destruction.

There are organizations such as European Energy Efficiency Directive who are dedicated to this cause.

Ideal investment in sustainable properties

Investing in environmental issues won’t ‘merely’ benefit the mother earth and all of her inhabitants. A study has found that environmentally friendly properties yield higher returns and attract a more stable market.

The target audience that are able to focus on the environmental issues in the purchase of properties are likely to be more invested beyond financial issues.

It’s also a known fact that the eco-friendly investment is highly attractive to millennials.

The next generation of homeowners who are slowly but surely dominating the real estate market buyers, are known to care so much more about the issue of sustainability compared to the previous generations. From the plastics issues to a more personal issues such of being a vegan, the millennials are prime examples of the embodiment of emissary to environmental issues.

Property certifications

Since there had been a rampant practice of “greenwashing” in the real estate industry, one of the methods in distinguishing an actual environmentally-friendly house is through certification.

More and more people who are looking for sustainable green properties are looking for certifications instead of just an empty label of “green” properties that any sellers and agents can slap on.

Need The Seminyak Villas For Your Stay In Bali?

Seminyak has been the great place for spending holidays during a trip in Bali. Many travelers have been stayed there and experienced many beautiful things. If you are required to be there someday soon, I would suggest you to consider about staying in a luxury villas.

There are many reasons for that besides the luxury design and great amenities that have been provided at the Seminyak villas.

Seminyak villas accommodation for your travel stay during Bali visit

First, you will get the benefits from the location. Almost everything you need can be find easily. Be it the souvenir shop, romantic restaurant or the traditional foods on the side of the road, clothes, mini-bar, night club and so much more to say. What do you need? And the answer seems to be around you, already.

Anyway, Seminyak is also close to the shoreline so you won’t need to worry about going to the beach. Within 3 minutes walking, you can be there when you are staying in the Seminyak villas.

Pretty much interesting right?

In fact, the price you should spend for a villa at Seminyak can be cheaper than a hotel room. Imagine if you can get such a low cost accommodation with something that can provide you the complete facilities, and it is the luxury designed villa. So, do you think that getting a hotel room will be the only choice you can get? I don’t think so.

Staying in a hotel room should be the long gone choice. You can still doing it right now, but we show have also realized that now we have more variative choices. Now, it will be depending on you which one will describes you the best. But if you are thinking about an accommodation with private pool and at the same time is close enough to the beach as above mentioned information, then you have nothing to choose but the villa.

The problem with renting a villa is only one as I have concerned. It is the price for sure. Now, let’s say that the 1 bedroom Seminyak villas will cost you more or less around $300 per night. Meanwhile, the same luxury hotel will also spend you the same money. When it comes to talk about which one will have the best amenities and services, then I am pretty sure that the villa will be the answer.

You will not really use the provided services by the hotel or even a villa and in the other hands, the required services such as cleaning the room and bringing your free included breakfast are not that concerned. They are important but I am sure you will mostly eat at the other places. For most of the cases, you will find your own restaurant than waiting for your own free food even though that I could be wrong as well.

But the important thing to be told is, when you are using the hotel services, then you may will have to pay more than you have expected. Look, how much the mineral water inside the mini-refrigerator inside the hotel room? It is mostly you have to double or triple the price of the same item from the mini-store that only take some minutes from where you stay. If you think that the other services can be more expensive, I think that I will really understand that.

If you have got much money, then you are good to go wherever you want.

But if you really need to live your holiday moments at the accommodation, then Seminyak villas is the great stop for you to go.

Real Estate Marketing Ideas to Better Get the Word Out

Marketing is probably what constitutes a real estate agent and the everyday home sellers’ time. It can be a tiring or even a mundane process.

This is particularly true if you did not experiment with new ways in marketing your properties. While always implementing the tested and proven is every marketer’s mantra, experimenting is what led to breakthroughs. There is no magical surefire method to attract homebuyers. But you can definitely learn from the everyday technology that is well within your reach and accessible to your potential homebuyers.

Make use of your social media platforms

You’ve probably thought of this before but did not know where to start. After all, even though social media is often a part of everyone’s everyday lives, not many had fully grasped its potential in generating leads or even transforming views to sales.

Real estate marketing idea using social media platforms

Social media platforms are powerful tools in marketing. Make use of groups, pages, and even facebook or twitter ads to promote your properties and reach an even wider array of demographics. Take the time to invest in learning marketing in social media. It’ll be worth your while and the skill can be implemented in any of your future property sales.

Consider Search Engine Ads

If you don’t have an idea on where to start, get an agency to help you out with your real estate business. A more affordable means would be to hire a freelancer to do the ads for you.

The best way is to hire one that you’re confident and comfortable in working with.

Remember that you need to communicate clearly of your expectations. Make sure to listen and heed what the agency explained to you. A more sustainable and long-term marketing in this area would be search engine optimisation. But only do this when you already have an established website or blog of your very own.

User-oriented blogging

Today’s marketing world cannot be separated from content. The real estate industry is no exception. Take one of the most popular real estate business sites, Zillow. Aside from being a listing for houses, the site also posted relevant articles for both homebuyers and home sellers.

Provide useful content for your potential audience and your market. Marketing today is all about engaging content.

Virtual open house is a killer marketing move

While an open-house is usually done for the potential buyers who are in the area, taking it a step further by making it accessible to more people is a brilliant step. Make use of the 360 degree camera technology.

You’re figuratively “bringing” your house to a much larger audience, and you may even reach ones that you’ve never expected before.

Understand your future market potential

You biggest market in the future would be the next generation of future homeowners; the millennials. It’s important to understand what your market wants. Continuous learning can only improve your chances.

Learn about what the millennials care about and match them with how it can benefit your sales. The millennials are all-out authenticity; so make sure to do this bit genuinely. Investing in environmentally friendly houses is one of the major causes that the millennials care about.

How Do You Pick The Best Company For SEO Campaign?

Are you currently in the process of selecting SEO company or agency? If you do, then I will going to try to be very beneficial for you because I’m going to show you some of the pretty big mistakes that are being made while picking a SEO agency. Don’t get me wrong and just stick with me for a few minutes ahead by keep on reading.

So, the very first most common mistake the business owners make when choosing SEO services is that most of them only focus on rankings and traffic but not on keywords. Ok, I know rankings and traffic are important. But now don’t get me wrong, they are surely great to achieve but if this traffic just doesn’t convert into the actual money, then both are don’t really important any longer. Agree with me?

Find SEO company

If you are the business owner, it is obviously that your main goal is to increase the revenue, right? So, what the first step towards this goal beside the both that have been mentioned on above? For me, it is to pick the right targeted keywords.

We have been taught and known that keyword research is by far the most important part of most SEO campaigns. You need to grab the right keywords because if you pick the wrong ones, then I am afraid that the whole campaign will be affected. I am worry that they will fail and this is really an important issue.

Today, with the presence of a lot of available agencies or companies out there or on the internet, can you find one that will looking for the right keywords right before running the campaign?

If you have no idea about that before, please don’t just being satisfied if there will be one asking you about which terms your business want to rank for. Mostly, the clients just don’t know how to pick the right keywords. So that, it should have been included with the right keyword researches for the optimisation package. it is not the client’s business and that is why you as the owner pay the agency. That’s really should be done by the company you have hired.

Let’s take a bit look at what can happen if your campaign pick the right keywords. The first important thing you have to makes sure is to find a group of phrase with a high monthly search volume in low competition state. Mostly, this first choice is rare to find. But keep on focusing your business niche, you may be surprised. If not, you can then find keywords with many search volume but the competition is the middle state and then to the high competition keywords.

The higher the keyword competition, the more times and energy you should spend, so with the low competition keywords where they can be relatively easy to compete. Not to mention the country targeted keywords. It is quiet easy to rank on high competition keyword at London as the targeted country then the same keyword but you have set your Google Search Console to target the worldwide (all countries).

The keywords are to help you find which some of the phrases that mostly the people or search engine users are using. And also you can at least determine the potential reach of your campaign. You can at least determines the amount of potential traffic that your site can get even though they are not the exact traffic. I mean, you can then assume that you are possible to get 20, 30, 40 or even more percent of the monthly volume.

For example, with a monthly search volume of 100 searches, you might be able to drive 15 or 20 visitors to your website. It is less than a person who will visit the site. Doesn’t it too small to be targeted? Yes, so you need the agency to find the best potential keywords with high volume.

But keep in mind that there are also many of the low keyword’s volume with high competition. So, it all depending on your niche.

There is also the problem with picking the wrong keywords that you do. It can be that you’re picking the phrase which is far too competitive. Let me tell you one quick thing as my own experiences. It is possible for everyone to rank for any keyword on the search engines. It’s just a matter of the budget and the time you want to invest in. Let me show you an example for that.

Let’s say you want to rank for a keyword like “health insurance.” Of course you can really do that. But you have to know that there have been huge players in that niche that have already spending huge monthly budget as well for years.

So, will you keep on going with that keyword example or not?

Another common mistake the business owners make when picking a SEO service’s company is making the price the monthly. I mean, dude, you have to takes it as a package for at least 3 or 6 months. Not just a month. How could you see the best result in such short time?

Look, you can even find on internet that the agency is selling the SEO services for $100 and will give you with bombastic sales letter on their landing page. Come on, what you could expect from that?

I am not saying that the services are supposed to be expensive, but to be honest, how can be optimizing your business site is cheaper than your own shoes or a half of the t-shirt price you just bought the day before? For real, what you have expected?

I’ll leave the answer for that questions up to you if you are really serious about your business site.

Above, I have mentioned about what you should hear from the SEO agency and what to avoid especially the mistakes that you should have never do. And you need to be aware of them since they can be the facts for the other businesses.

But, I won’t leave you wondering around about where the right SEO agency you can actually contact. So that, I will recommend you about the Bali SEO services that is managed by one of the popular digital agency called as Kesato. Feel free to visit and get in touch with the team.

Last but not the least, there is also another important factor you need to remember which is the money that you’re going to pay for is not only for the current and actual work the agency does. It is really not. SEO is the long run campaign. You mostly will deal with it for years and somehow seems to be forever. So that, make sure that the campaign that have ran with building backlinks as one of the strategies the agency does is placed permanently. Don’t let them make you to pay annually for something like that.