Three Most Popular Investment Types in Indonesia

Have you started to prepare funds to start investing? Of course, after struggling to save, now is the time to invest the funds. Investment is very necessary if you really want financial freedom for your long term financing. The earlier you invest, the better the long-term results. This is also influenced by the composition effect. However, you must of course also choose wisely which investments to make. You can choose which ones are valued for you! Read well my friends!

In economics, an investment is an immediate expenditure intended to increase, in the long term, the wealth of the person who engages it.

Three Most Popular Investment Types in Indonesia

Term deposits

Term deposits are bank deposits with a higher interest rate than ordinary savings. Term deposits have a clear maturity date. If you want to withdraw deposits before the due date, there will of course be a penalty. However, if your deposit is properly within its due date, then you have the right to withdraw funds without penalty. The more money you deposit, the more money you deposit, the more interest you will get. Term deposits are often viewed as a low-risk and relatively safe form of investment. Besides, making deposits is also quite easy and straightforward, so that many newbie investors start investing with deposits. The downside to deposits is that you won’t be able to receive your money for a set period of time. So make sure you have some reserve money for your emergency fund.

Precious metals investment, one is what is called gold investment

Investing in gold or precious metals could be considered one of the more classic types. This investment has been popular among Asians from ancient times until now. Gold will generally experience price increases in response to certain events that cause the value of paper investments, such as stocks and bonds, to decrease in value. The price of gold can also fluctuate in the short term, but its value is maintained over the long term. Seeing this, of course, gold can be an investment worth considering. However, you must be prepared to provide a safe place to store any gold or precious metal you have purchased. Make sure there is gold, don’t worry about sleep, for fear of losing gold.

Real estate investment

Has a similar function to the value of properties generally continue to increase from year to year. This often makes property a popular choice for long-term investment. But keep in mind that in addition to the profits, the lost property investments are also very striking. One of them is where you are going to incur high costs and where you will need a lot of money to buy a property. In addition, the purchased property will also require maintenance to maintain it so that it has a high sale value for the next several years.

Arranging Scuba Diving Holiday for Beginners; the Easy Way

Arranging Scuba Diving Holiday for Beginners; the Easy Way

Presently you have dominated the nuts and bolts of diving and the fun of finding life in the dark blue ocean. You can’t hold back to put your recently gained abilities to real experience. As vacation days is simply prowling around the bend, you imagine that this may be the chance to really design a scuba diving holiday for beginners. Obviously, there will be huge loads of action items—all things considered, it will be your first scuba diving for beginners! With no earlier information on orchestrating a dive vacation, you can depend on our waitlist and use it as the skeleton plan for your divescape. 

Scuba Diving Holiday for Beginners: How to Start It

Truly, you are totally learner and you are going to leave on full ocean exploration for the break. You will search for fitting pinion wheels, find out about guidelines on dive gears baggage for the flight, searching for appropriate dive area, organizing the boats for the dive excursion and all, and staying aware of the security systems. Every one of them could be very scary for newbie, yet it doesn’t need to be! Consider dive trip prep as an energizing arranging as opposed to something shocking. Simply make a nitty gritty rundown and take it light! 

Picking the Dive Destination for You

At the point when you simply start on diving, you should be fastidious on the dive locales. You should be extra careful after investigating about the dive site. Experience subtleties on the dive destinations’ highlights. Is the perceivability high? Does the profundity in consistence with your dive authentication? Shouldn’t something be said about the flows—is it excessively solid for your level? What sort of corals and marine creatures you can see there? Get your work done and turn upward into suggestions of scuba diving holiday for beginners. You can pick which nation you need to go as indicated by the dive locales. 

Getting Together Dive Gears 

Having fundamental dive gears for you is basic, however it doesn’t imply that you need to purchase and carry everything to the dive trip. We prescribe you to bring fundamental pinion wheels that is absolutely close to home. Consider to bring your own dive suits, cover, snorkel, and BCD with you. Those are gears that should fit entirely on your body. Finding the ideal one in rental stuff will be very troublesome. In any case, you can generally lease other general pinion wheels like blades, dive PC, gauge, surface markers float (SMB) and numerous others at dive focuses in your objective. 

Dive Safari versus Day Trip Diving 

Dive Safari versus Day Trip Diving

Which sort of scuba diving holiday for beginners you need to take? Would you like to set out on dive safari—cruising on dive boat for three or seven days loaded with dive trip? Or then again would you very much want easygoing dive holiday in land based retreat? Each offer uniqueness and points of interest, so try to consider carefully! 

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Joining A Dive Center is Best for Scuba Diving Holiday for Beginners

Would you like to join a dive place for the outing? We by and by suggest joining a nearby dive community for your initial not many scuba diving holiday for beginners. It resembles joining a guided visit, however just for the dives. They will help you pick and plan the dive locales, set up the cog wheels, take you to the dive destinations, and organize each and every subtleties you probably won’t know yet. Like leasing the speedboat, assessing the correct opportunity to begin the dive, and changing the cog wheels. They will take a full active on all the dive matters yet at the same time leave you on the remainder of the day to do your own stuff. You can gain so much from them during the dive trip! Who knows, perhaps you can orchestrate a smooth autonomous dive occasion next time.

The Importance Of Franchise Businesses Now

The Importance Of Franchise Businesses Now

Running business during difficult times can be very much more challenging. Lots of businesses have been struggling to survive during the crisis caused by the global pandemic. Not many businesses are able to survive. Some of them have been closed down for good. However, there are also other businesses that can survive and thrive successfully. Some of them even scale their business well and thrive during this difficult time. What about the idea of franchising? Does it have bright future to thrive during economic downturn like this?

Franchising during economic downturn

Successful franchising is possible even during economic downturn. In fact, there are many benefits and opportunities that can be gained from franchising. In fact, many economy experts even said that franchise businesses will have more important role after 2020.

Giving more job opportunities

Franchise businesses open more job opportunities. Franchise businesses usually have stable system as well as consistent products and services. Thus, they are able to stay open and remain profitable. These kinds of franchise businesses usually don’t really have to reduce their workforce. Hence, they operate smoothly even during difficult time like this. The more franchise businesses are opening, the more job opportunities arise.  

Solid corporate system of success

Solid corporate system of success

Franchise businesses also have opportunity to provide their franchisees a solid corporate system of success. Hence, franchisees will not be left alone to figure out what to do to make successful system. They have good support from the franchisor. They are already delivered well-structured systems that are already proven to work just well by the franchisor. Rather than trying a do-it yourself exploration with business, making a franchise is considered less risky. 

Solid team to rely on

Franchisees are not facing financial crisis alone because they have solid team to rely on. They can share best practices as well as techniques so they are able to face unexpected situation like the crisis today. They have ore opportunities to do better during financial downturn than independent businesses owners. 

Lower expenses for better handling on financial downturn

Franchisees have more benefits because they have lower expenses hence they can deal with financial downturn well. They purchase inventory through larger network so they can keep their expenses down. During crisis, making expenses down is important. It is significant element to survive the crisis. Franchisees also have solid back up in the form of technology and software provided by franchisors. It makes them easier to track down their purchase better as well.

Established brand names

In business, name brand has significant role because it is what to contribute to public or customers’ recognition. Franchisees don’t really have to think about name brands anymore especially when they have been part of a national franchise brand. It will be easier for this kind of franchise business to attract customers especially when their name brands are already known for their quality and consistency. 

The recipes of successful franchise include strong organizational and communication and skills. It doesn’t mean opening franchise will guarantee a success. However, it does have opportunities due to solid system that has been proven to work well, hence more potential for success.

Why the Mantas Love Manta Point Nusa Penida

Why the Mantas Love Manta Point Nusa Penida
Images courtesy of Instagram: @adventureindonesia

Diving with the Giant Manta Rays is not just a must-do list in a certain dive destination. They are the most elegant and gentlest fish in the world and sharing water with them is going to be a humbling experience. Giant Manta Rays has the largest brain to body ratio of all fish. As a result, are the most intelligent fish known to mankind. However, you cannot see Manta Rays just everywhere. In fact, they can only be found in the three oceans; the Indian, Pacific, and Atlantic. One of the best place to admire these gentle giants are the Manta Point Nusa Penida, Bali, Indonesia, where they present all year round. So why the Mantas love this place and why do they call it home? 

The Manta Point Nusa Penida is Located in Warm Water 

Reef Mantas could be found in both tropical and subtropical climates, while Giant Manta Rays prefer tropical climate than anything. This means you can find Reef Manta from Japan to New South Wales or from North Carolina of US to New Zealand, but you’ll only found Giant Manta Ray around the equator lines. The major places where Manta Rays live is Indonesia, Thailand, Hawaii, Maldives, Micronesia, and Australia. These are warm water and that’s exactly what Manta Rays love. 

The Manta Point Nusa Penida is Nutrient-Rich 

Located in the off-coast of Bali, the tiny Nusa Penida conveniently settled in the meeting point of two major ocean currents, coming from the Pacific and Indian ocean. The Manta Point in Nusa Penida receives healthy streamline of currents all year long, bringing in rich nutrient plankton that the Mantas love very much. 

A Loyal Cleaner Station

A Loyal Cleaner Station

One thing that these ocean giants love from Manta Point Nusa Penida is the presence of wrasse fishes. Family of Wrasse fishes are known to feed on parasites of larger animals, and Manta Rays are their favourite clients. Wrasse fish is vital to Manta Ray as their picked on dead skin cells and parasites. It is also believed that Manta Rays do love going to their cleaning station just as human go to bar. It’s the social interaction that gives these cleaning spot an added value for the Mantas. 

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A Nursery for Young Manta Rays

During the past few years, the Marine Megafauna Foundation and Murdoch University reported sightings of large number of juveniles Giant Manta Rays around Nusa Penida. This suggest that the this little island is now housing a nursery nearby. While adult males and females prefers the Manta Point Nusa Penida for cleaning and getting social, the juveniles are seen feeding on Manta Bay, about 12 km from Manta Point. This suggest that Nusa Penida is a safe space for the young. A place where vulnerable juveniles could grow and develop far from the reach of predators. Knowing the nurseries of Manta is very important to provide better protection to these near-endangered species!

Different Versions of Laksa in Malaysia Worth Travelling For

Malaysia is such an iconic country in Southeast Asia with its distinctive, diverse culture. Food is part of the culture we can learn to know more. Malaysia has Laksa as their one of the most authentic foods. This food is not only iconic but also heavenly delicious. It is even make it to the top 10 best food in the world by CNN. It was called as ‘Breakfast from the Gods’ by late Anthony Bourdain. However, you can expect for variety of Laksa in Malaysia as it has diverse culture

Different Laksa versions to try during your visit to Malaysia

Laksa is known as simply a noodle dish with various meat and vegetables toppings. The taste is very iconic that even there are some instant noodles with Laksa base flavor to indulge Laksa fans. Here are some of different versions of Laksa you can find in Malaysia:

Sarawak Laksa is a very appetizing Laksa in Malaysia and often called as one of the best and a must-try for tourists. The broth uses base made from various aromatic local spices such as lemongrass and galangal, sambal balacan, and chili paste made using shrimp paste, garlic, lime juice, and chili. Coocnut milk is also added into the broth to thicken the texture and add light-creamy flavor. It is usually served with rice noodles and various topping such as chicken slices, prawns, omelette slices, and bean sprouts.

Assam Laksa is from Penang and considered the most recommended version to try. The taste of this Laksa is controversially delicious. Some can be such a die hard fans while others can’t even stand it. The flavors you will get to taste from this dish are sour, spicy, and fishy. Unlike Sarawak Laksa that uses coconut milk for its broth base, Assam Laksa uses tamarind, ginger torch, and mackerel, hence the controversial flavors. It is served with rice noodles, and toppings of various herbs and garnishes.

Curry Laksa is from Kuala Lumpur and it has such a refreshing appearance with rich and savory taste. The base is made from curry paste, coconut milk, and laksa leaf. You can also boost its spiciness by adding sambal chilli past. For the taste, you can expect pretty strong curry from this Laksa. Hence, it is such a treat for curry fans. From a bowl of Curry Laksa, you can expect various ingredients included chicken strips, juicy prawns, tofu puffs, cockles, as well as springy fish balls. It is also added with yellow egg and vermicelli on top.

Laksam is from Kedah, Kelantan, and Terengganu. In the first glance, you might not be able to recognize it as Laksa because of the color of the broth. Most Laksa has bright red or orange color. Meanwhile, this Laksa has gravy colored-broth. The broth base is made with coconut milk, tamarind, and boiled mackerel resulted in creamy taste. It is usually served with bite-sized nuggets of rice noodles. The garnishes added are traditional salad of local vegetables and herbs.

5 Ways to Keep Entertained on Raja Ampat Cruise

Raja Ampat Cruise


Are you planning to Raja Ampat for your next holiday and sail into the sunset? That sounds like a fantastic and exotic idea. With such an impressive natural wonder you could not find anywhere else on earth, the Raja Ampat cruise truly makes for a lifetime of an unforgettable experience. You are going to have all the dives in Raja Ampat’s vibrant site, enjoy luxurious facilities onboard, waking up in the morning to see a beautiful sunrise while enjoying your breakfast. There is a lot to love about a cruise holiday. But, you might forget there are no signals, and the wifi is weak on the boat.  So, what can you do to keep yourself not bored while the boat sails to the next destinations? Here are some tips for you!

Read your Book

When was the last time you took your favorite book and spent the whole day reading? Reading a book is a good idea for entertainment while the boat is sailing. You can lie down on the beds at the deck, take your favorite books and enjoy the fresh air as much as possible!

Bring your camera to Raja Ampat Cruise

The natural beauty of Raja Ampat tourism is indeed not in doubt. You should bring your camera on hand during the holiday. There will be tons of opportunities to capture a beautiful sunrise, sunsets, sea life, and all of your activities. Please don’t waste this opportunity by taking awesome pictures because it merely documents a moment in time.

Playing card games on Raja Ampat Cruise

Playing cards have always been the last bastion of entertainment in no signal area of the cruise holiday. A card game is perfect to take for holiday, it does not weigh much and you can easily take it with you in your hand luggage when you travel. You can also find many fun and light card games that don’t have complex rules and are easy to play. Get together with your gangs in the Raja Ampat cruise for some games of Remi, Poker, and Solitaire. Once you get your gangs playing a card game that meets the above criteria, they’ll most likely want to play it over again and again.

Raja Ampat Cruise

Have a small talk

One of the hidden joys of a cruise holiday that some people don’t discover is the power to make a new friend. When you are surrounded by many people from as many walks of life as, that’s a good time to talk to new people.

Prepare a music playlist

What is a holiday without your favorite music? One way to make your holiday chores fun–or at least more fun– is to turn on some music. Don’t forget to prepare and download your music with you. We are sure that you’ll want to experience this vacation to the fullest, so share it with your favorite music!!

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Make Over Your Home Workspace Without Spending Too Much

If you live in a place where travel restriction has not eased yet then might as well doing some make over to your home workspace. Thus, you can work and run your business peacefully and comfortably from home. One of the most challenging things about working from home is the feeling of being too comfortable. It is easy to fall into lazy state where you don’t want to finish your work and just lie down on your sofa. Therefore, it is important to make your home workspace to be the place where you can work just like when you are in your office. 

Home workspace

Upgrading your home workspace without excessive budget

Running business during this tough time is already challenging. Hence, you don’t need to spend extra money to ensure that your business can survive this difficult period. However, it is still important to make sure you can work effectively and finish your task so your business is still running. Upgrading your home workspace is one of the ways you can do as solution. Here are some tips you can follow:

Build yourself a standing desk instead of buying a new one. You can use your ironing board to be turned into fancy standing desk so you can work comfortably. It is economical solution because you don’t have to spend money if you have it somewhere in your house. Besides, it is practical to use because you can just fold it when not in use. Standing desk like this is very useful for a video conference because it provides great angle for your laptop camera. 

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Add some plants as decoration in your home workspace. Choose plants that you have in your office. So it can give you a vibe of true office even when you are working from home. Besides, seeing greenery can do wonder to your body and mind especially during work. It can provide a sense of calmness so you will be less stressful while completing your task. Make sure that the plants you choose are not toxic both for you or for your pet, if you have any.

If you have HDMI cable and wireless keyboard then you can build yourself external monitor. Using laptop and staring at its screen all day long can tire your eyes. Thus, using TV as external monitor can help you to work more comfortably. Some laptops have HDMI ports built-in so it will be easier for you to use your TV as external monitor. You can also use it as your second monitor if you need extra visual workspace. 

Upgrade your work chair so you can sit more comfortably while completing your project. Your posture is not the only important element to support your health while working all day. Comfortable chair is also necessary and good investment. Supportive and comfortable chair is important to help you finishing your work without risking your spine. Add a cushion to your chair to improve comfort. Or, you can splurge a little bit to buy ergonomic seat.

Bali Real Estate – Tropical Heaven in Heart of Canggu

Bali real estate have shaped its identity towards the time being. Its offers different concept and value that bring within a physical presence of the unit. In addition, as the industry are keep evolving, we might face a new color and vibes that brought to suit our lifestyle and culture.

Bali Real Estate

Furthermore the constant changing of behaviour and lifestyle also contribute to the real estate industry. Ranging from architecture, interior design to building material are mostly adapt to the person’s demand. The market are now leveraging to what define as new modern, imagination and innovation.

These aspect are strongly influence the real estate industry nowadays. For instance, we could see the trends of Bali real estate with the touch of traditional-modern and characteristic of the place. In addition, the characteristic of Tropical, pacific and exotique also used to determine the villa vibes. This helps describe villa concept in more accurate and figure the value in every unit.

Why Tropical Stand Out for Bali Real Estate?

Tropical refers to the condition and humidity on certain areas, it could also visualize the characteristic of a real estate in terms of metaphor. Not to mention, this villa characteristic constantly rising in demand overtime especially in area with very hot and humid climate, Bali.

Bali Real Estate

Stands as it sound, tropical could also reflect to the style of real estate. It is believe that tropical characteristic brings a new colour and vibes to the design and architecture of an unit. Furthermore, more luxury and elite villas are now influenced by this tropical touch. It brings more sense of natural and vibrant to both exterior and interior.

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Tropical Villa Leasehold in Canggu Area


A decent yet tropical Bali real estate can be describe by its concept and style. Unlike other rigid and dull concept, tropical villa are extremely eye-catching and relaxing. For instance, this tropical villa leasehold in Canggu, its the dazzling design concept there is to be lease. Spread across a 3.1 acre of land and building size of 231 sqm, this villa stand out with its full facility and tropical vibes.

Bali Real Estate

Features 4 grand bedroom, complete with 5 bathroom, full furnished and tropical theme that provide decent quality. Include with additional facility of BBQ area, 7×3 swimming pool, balinese gazebo, and spacious garden. It is without a doubt the most tremendous tropical Bali real estate you could found in the area.

Inquire this tropical villa now with interesting return on investment report and the best value. With a potential of rising value in few next years marks this unit as a clear and straight-forward investment. Great for both longterm investment or future pension property. Get the special offer by inquiring this villa now! 

Most Recommended Foods To Try In Dubai

Dubai is one of the most interesting places to travel to. There are many wonders you get to witness in this beautiful paradise. Aside from many touristy places to visit, you can also enjoy their cuisines that have been influenced by the neighboring countries. Hence, you will not only enjoy Emirati foods but also other cuisines from over 200 nationalities. Of course, you cannot skip Emirati foods which tend to be heavy on stew, fish, meat and rice. However, there are more to explore when it comes to food travel in Dubai and you must ready for it.

Best foods to try during your visit to Dubai

Travelling means you can indulge your appetite through food hunting. With the situation today, travelling around the world is more challenging than ever. However, you can just plan your vacation from now so you will be ready when the pandemic is over. Dubai is a very interesting place to visit because there are many things to enjoy especially the foods. Here are some of the best recommendations of foods you have to try when visiting Dubai:

Dates are the first things you should try if you are rarely eating them. Dates are not only nutritious but also chewy and sweet. There are more than 40 million date palm trees in Emirates. There are wide varieties of dates in Emirates you can find such as Razaiz, Khadrawi, Lulu, as well as Medjool, the king of dates. You can just enjoy ripped dates as they are or pair them with a cup of Arabic coffee. In many restaurants in Dubai, dates are often served as complimentary starter.

Madrouba in Arabic means ‘beaten’. It is such a unique food made from rice smashed with onions, yogurt, tomatoes, butter, and spices. It is made most commonly with chicken. However, you can also opt for other varieties such as lamb, fish, or vegetables. This dish is also satisfying and you can enjoy it for your brunch or lunch. The combination of the ingredients in one complete package is such a perfect treat to try.

Machboos is like an alter ego of Biryani. This is also basmati rice-based dish. It is slow-cooked with baharat, onion, dried lemon called loomi, and meat such as chicken, lamb, or fish. This is also considered as UAE’s national dish. It is also considered a family dish because it is often enjoyed during family events. However, you can also find it in many traditional Emirati restaurants.

Al Harees is another recommended food you must try when visiting Dubai. It is food that is proceeded by boiling and grinding the wheat. Then it is simmered with meat such lamb o chicken. Then, it is beaten into a porridge-like consistency. The most common toppings are are usually lamb fat or clarified butter like ghee. Other choices are sugar or cinnamon sprinkle. It is often served during religious holidays or wedding party. However, it can be found in many Emirati restaurants around Dubai as well.

Papua Diving: Best Dive Sites in Raja Ampat

Do you have any plans for the holiday? Deciding a holiday is such an exciting time. Finding the ideal destination for a holiday, sometimes it can be overwhelming. Explore Papua is the place for you. If you want to get off the grid in Indonesia and have the ideal place to relax, then consider taking a trip to West Papua in Raja Ampat, where you can enjoy the gorgeous scenery as well as some of the best diving in the world. Diving Papua offers amazing life experiences and the most stunning topside scenery of any dive destination on the planet. It is the world’s most biodiverse marine region and has pretty much everything a recreational diver could ever want to see. There are numerous options for diving in Raja Ampat, and each of them is distinct. Here are the best dive sites for your holiday bucket list in West Papua. 

Papua Diving; Best Dive Site in Raja Ampat

Papua Diving at Misool Island

The island of Misool in southern Raja Ampat is the second largest of the Four Kings. Misool is known for its exceptional colorful soft corals and forests of healthy mangroves. The water is quite warm, the fish life in variety and quantity is truly amazing. There are also archerfish in the shallows, reef fish, mantas, unpoisoned jellyfish, and pelagic species. Some sloping walls with colorful soft coral carpet also become houses for some small critters, from ghost pipefish to harlequin shrimp and pygmy seahorses. If you want great photography, make sure Misool is on your bucket list! It is a great place for photography lovers.

Mata Sandy

Manta Sandy is one of the busiest and the famous dive sites in Raja Ampat. The depth of the dive is relatively shallow, from an average of 5 meters to a maximum of 20 meters, so it is appropriate for all divers levels. The site is the central cleaning station for Manta Rays, and there is a narrow channel with several coral bommies that feature small coral bommies located between the main reef and a smaller one. Also known as Mata Mantra, this site offers divers the chance to get great views of manta ray, but they appear when there is a current. The ability to get close and to swim with the mantas make this an excellent site for dive. Diving Papua also offers an extraordinary show of sea giants dancing all around you.

Diving the Fam Islands

If you are a diver, this Fam Islands is a must be on your bucket list. There are several diving spots with colorful coral reefs, sponges, and soft corals. You can dive around the island with the calm water to see various marine inhabitants like nudibranchs or sea rabbits, part of the mollusk family, vast numbers of fish, and pristine coral are world-class. The island is well known for being a great place to spot the tasseled Wobbegong shark. This shark is rarely seen outside Australia and New Guinea, but it is prevalent in this part of Raja Ampat.

Papua Diving at Cape Kri

Cape Kri is known to have the broadest range of marine life. There are so many fish and coral reefs, plus the sun’s rays from the surface of the sea cannot penetrate the water, and it makes you feel a memorable experience. You can find various fish and corals such as snapper, tuna, fusilier, sweetlips, butterflyfish, and angelfish. Also, there are features of a reef with a sloping wall located at the north-eastern. If you are an underwater enthusiast, this is the ideal place to get some incredible shots. You can’t forget your camera, okay!

That’s all about the best Dive site in West Papua. The most affordable and widely available Raja Ampat accommodation for the diver is simple Hello Papua. Hello Papua will make your travel dream come true. Every diver should experience this fantastic place at least once in their life!

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