Disney – Affordable Destination Tips

Is Disney an affordable place to go on a family vacation? It may be more affordable than ever to plan a great and memorable getaway for those young hearts who love the wonder of Disney. You can have a great time on a shoe string budget, it just may take some planning rightly.

You would be amazed that you can save hundreds if you get into the little tricks that few people are aware of. Disney some times has promotions that can save you big money. More savings can come in the form of a guide. These printed savings are great.

All inclusive packages can save you money too. And don’t overlook the savings that you can gain by ordering tickets in advance. A travel agent can guide you through this and may save you money if you don’t want the hassle of doing your own homework.

Disney sometimes offers great deals like free shuttle service and baggage. This keeps you organized and its free.

There is a lot you can do to avoid expenses on your room and dining out. Just plan a big meal once a day and try to eat on the cheap for the other meals. The children are more interested in Mickey anyway. Use little good judgment on games and trinkets, set a limit before you go and stay with it.

The internet is full of tips good and bad. Discounts and special offers abound. In magazines and other advertisements you may find some useful savings.

Just remember that you can save money this way, but be sure to get the facts from a real live person. The internet is also full of people trying to scam you into a dream vacation that may leave you on the street looking for a hotel that does not even exist.

Packages of all shapes and sizes exist. If you take the time you may find one that is a big bonus to you. For example some packages include free hotel and tickets for the kids. That is great if you are planning to take a large family.

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Bali Destination Tips For Aussie Travellers

Bali Travel Tips

Seasons/When to go

Anytime is a great time to head to Bali. Dry season, which roughly runs from May to October is the most popular time to visit (with June/July sometimes totally overcrowded). Although during the wet season November to April still has some fantastic weather there is just more chance of rain. Having to sit back and wait for the rain to ease up is a good way to recover as it makes you stay in the one place long enough to soak up your surroundings that you may have strolled past quickly in a normal sunny day. The rainy season doesn’t really stop people enjoying their time in Bali, as any time here is a good time!

Getting cheap flights from Australia to Bali

There are quite a few airlines that can take you to from Oz to Bali. If you can try to avoid the peak times like the Australian school holidays (both secondary and university) and Christmas. June/July is the busiest period. Currently outside of these times you can get return flights into Bali from around $400 in tax, depending on your departure point. Very cheap!

Air Asia Asia’s budget airline. Extremely cheap, all you have to pay for is your food and drinks while onboard. There isn’t any in-flight entertainment although some of the flights can hire you a movie screen where you can watch TV shows and movies on demand.

Jetstar Another cheap option. Both airlines have great service, best to sign up to their websites email list and book when they send out their specials.

Strategic Air – A new full service airline from Perth to Bali, with rates similar to the no frills Jetstar and Air Asia

Check out sites like Jetabroad for cheap deals as well.

Don’t forget to check out qantas.com.au, garuda-indonesia.com, and singaporair.com even those these are known to be a bit more expensive than the no-frills airlines; they still have great specials that will bring them into line with the no-frills airline prices.

Costs

Bali is a very cheap destination, and with the Aussie dollar now buying almost double what it did last year a trip here is usually cheaper than staying within Australia. Depending on the type of traveler you are, you can opt for the 1 star hotels and guest houses to the 5 star and anything in between.

Food is extremely cheap as you can get your classic Nasi Goreng (Fried Rice) and Mee Goreng (fried Noodles) for 20,000 Rupiah a meal (approx AUD$2.20). This usually comes with a couple skewers of meat and a fried egg on top with the rice crackers on the side.

Bintang is the local beer and if you are a beer drinker, a delightful drop. A small Bintang will set you back 8,000 rupiah (Approx AUD$1) and a large Bintang 640ml’s 16,000 rupiah (Approx AUD$2.00). You can find Bintang anywhere from the local 7 eleven store to the markets (just ask the shop owner).

If shopping is your reason to go then Bali is the right choice! Anything from market shopping to retail outlets you will be able to find it here. In the retail outlets all prices are marked but head into the markets and its bargain time. Don’t forget to start off very cheap around 1/3 of the price they first gave you. Just remember that towards the end of the bargain you may only be arguing over a couple of dollars. Remember that bargaining is a custom, a way of laughing and interacting with the locals, it’s a way of life so don’t get mad or treat them like they are ripping you off just keep bargaining till you both agree on a fair price.

Domestic Airlines

If you want to travel around some of the surrounding islands to Bali quickly then flights is your option.

merpati.co.id

lionair.co.id

mandalaair.com

All these airlines are quite cheap; they can be booked online or through a travel agent while you are in Bali.

Getting from Denpassar airport to Kuta/Legian area

After collecting your bags and heading to the exit you will probably face the crowds of people holding signs and taxi drivers ready to pick you up. Just ignore these people and turn right to an isle of small shop windows.

Along this wall is a Taxi shop that sells one way fares for the taxis at 50,000 rupiah (about 6 Aussie dollars). This is the easiest way, as describing your hotel they will then organize a taxi to grab you and take you there. Don’t pay more than 50,000!

Accommodation options

You can get everything from backpacker accommodation to 5 star resorts.

Backpacker guest houses range from AUD$5 per night which normally also come with breakfast. Just make sure that you check out the room before checking in. You want to make sure that the standard is exactly what you’re after. Your $5 in backpacker accommodation will change depending on the area, the further away from the tourist trail the more you will get. In most backpacker accommodation in Bali you will get an en-suite, fan and double bed for your money.

If you’re on a budget but can afford to splurge a little then going with a 3 star is always a good option. There you will usually receive a pool, possibly a swim up bar, en-suite, double room, aircon, breakfast and usually a couple of other things thrown in.

Just remember with all the options, you are never in your hotel as there are so many activities to do during the day. It’s just a bed for the night; you just need to decide what level of luxury you want to sleep in.

Popular 1 star options are scattered around Poppies One and Two, two roads at the heart of Kuta (also the noisiest and most shambolic).

Popular and still cheap 3 Star options around Kuta are places like the Legian Jayakarta, and the infamous Bounty hotel.

Seminyak, up the beach from Kuta, is the more civilized alternative to Kuta/Legian. This area houses some spectacular 5 star hotels, as well as a few decent cheapies and some of the best restraunts on the island. This area is better for families if you feel the need to get away from the bogan/crowd factor in Kuta.

For a good website to look for rooms of all varieties check out asiarooms.com.

Getting around Bali

Taxis are around on every corner and will drive past you as you walk down the street asking if you need a taxi, so these are not hard to find. They are relatively cheap and if you catch the Blue Bird taxis they have a meter. Just make sure you tell them you want a meter before you hop into the taxi.

For the more adventures hiring a Motorcycle or Car is an option. Both are reasonably cheap and you have the freedom of driving wherever you want. The only downfall is the lack of road rules might be hard to navigate. A lot is done from the horn. Just remember its not rude to toot like it is regarded in Australia, it’s just signals to warn the other drivers.

1 toot – “hi I’m here”

2 toots – “move”

The other option is to hire a car with a driver. They are more than happy to drive you around and show you all the tourist destinations.

Beach Destinations

Kuta beach is the most popular and with all the action you can understand why everyone hangs around. You can hire a sun bed with a umbrella and relax while you watch all the action from the hawkers, masseuse to the tourists learning to surf.

If you want some quiet time with a more picturesque beach then heading over to Sanur or Nusa Dua is where you want to go. Only 30min drive from Kuta it’s a nice day trip to get out of the hustle and bustle of Kuta/Legian area.

Nyepi day

Nyepi day is Bali’s day of silence. This is Bali’s first day of the New Year celebrated in March; make sure to check out the coming dates as it changes each year.

The night before Nyepi day the Balinese celebrate by creating huge floats which they parade down the street. These floats seem to look like they are made out of papier-mâché but don’t be fooled into thinking they are like children’s art these have so much detail on them from the long eyelashes to the finger nails. Every inch of their creations have been thought about and well designed. These floats are Ogoh-ogoh which symbolizes the evil spirits which they have to get rid of out of their lives. These floats are tied onto bamboo which is then lifted by the dancers and they dance the floats around to the music. It’s quite incredible watching these huge creations dance around in fluid movements.

The next day is the day of silence, no one is to walk outside and this includes the tourist. Apparently as the story goes, the gods come down on the day of silence, look around Bali and then decide that Bali is inhabitable so they leave.

You cannot leave your hotel so make sure you have chosen one that has a restaurant inside and perhaps rent a DVD player and pick up some DVD’s to watch as if you try to leave the hotel staff will stop you as well as the police on the streets. Some of the hotels even go to lengths to put up black plastic to cover the entrances.

The Balinese love Nyepi day as it’s a day where they travel back home to spend it with their family, like how we spend Christmas.

Off the beaten path

Not really off the beaten trek, but Ubud is definitely worth a look. With awesome arts and crafts to monkey forest its worth the 1 hour drive to get there. You can stay up there with plenty of hotels offering cheap rooms. As you wonder around the town which is situated up in the mountains you will fall in love with the shopping, atmosphere and culture.

Balian is a village an hour or so north from Kuta.. A quiet alternative and more a village than the free for all of Kuta.

Also check out along the relatively new highway on the opposite side of the Island from Kuta. There’s some great surf spots and interesting villages to pass through.

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Travel Agents Event Management

It does not matter the size of the conference or where it is, travel agents can be a major help in their planning. Travel agents can be especially helpful if it is an international conference. Travel agents can have knowledge of the area as well as such things as transportation, accommodations, and hospitality issues. One of the main hassles when planning a conference is taking care of the needs of the people attending.

It doesn’t matter if it is a press release, convention, training seminar, or product launch, travel agents can take care of many of the needs of the attendees so that the people attending or the people running the conferences do not have to worry about those details. The larger the conference the more travel agents can be of service.

One of the main ways that travel agents can help with conferences is with transportation and travel needs. Many times if the conference is international the people attending the conference will need a way to get there. Travel agents can help with flight, train or bus information as well as procuring tickets. The larger the group traveling to a conference the more travel agents can be used and many times they can also get better deals. Travel agents are in direct contact with airlines, train lines, and bus services so they can find out if there is space available as well as the best price for the ticket. They can also contact charter services, as it may be cheaper to travel this way for larger groups. Another advantage of using travel agents is that they can be available to coordinate travel times so that it can be easier, once the people arrive, that they do so around the same time making it easier to either get to accommodations or to the conference itself.

Another beneficial aspect when using travel agents when dealing with conferences are accommodation issues. Much like travel issues the travel agent can have direct contact with hotels and inns as they can find accommodations for people that are travelling to the conference. Also much like travel they may be able to find better rates than if the people travelling to the conference booked accommodations themselves. One thing that travel agents have as well are information about package deals, which can save people, or a company, a lot of money as travel, accommodation, and transportation services can all be packaged in one deal.

When people travel out of town to go to a conference they will also have transportation needs so they can get to and from the conference itself. They can also help with such things as arranging for car rentals and taxi services to and from the conference. Travel agents can also find accommodations that are closest to the conference site. If a travel agent is working with one group of people there is also a better chance that they will be staying in one location, or, at least, close to each other. This is a crucial aspect of a conference if many people from one organization or company are in attendance.

While travel agents can be used for many types of conferences one of the most important ways in which they can be used is for companies that need to have many employees in attendance. For example, if the company is having a training seminar for hundreds of employees their main goal is to make sure that the seminar runs smoothly. The company needs to find a conference site and deal with the information that will be presented at a seminar. If the company uses travel agents there is a huge amount of time and resources that can be saved that can be used in areas of more importance. Any time that the company needs to take care of the travel needs of the people in attendance travel agents should be used.

Travel agents can also be of service when dealing with hospitality issues as well. If the conference runs more than one day they can find out information such as where to eat and what there is to do in the area that people are traveling to. If the people that attend the conference do everything for themselves they will not be as informed, as if a travel agents took care of them. Travel agents can find restaurants, make reservations, book lunches, and rent out halls, just to name a few things they can do.

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Get the Most Out of Your Travel Agent

Booking air travel, making hotel reservations and arranging vacation travel in general has changed completely with the advent of the internet and many people try to be their own travel agents. While you can arrange seemingly most of your travel yourself, you can’t do as well as your travel agent in a long run!

Travel processionals, whether your local travel agent, tour operator or destination specialist still possess contacts that you as an industry outsider do not have. As in number of other professions, travel agents, whether in a shopping center near your home or an online agency, wherever they may be located, do know something you do not, have way to book and arrange travel for you in ways unavailable or unknown to you.

Traditionally you could contact a travel agent and ask for a quote, whether a price of an air ticket, hotel or a vacation package. For the most part travel agents still provide that kind of information, although there is a limit how much information they may disclose as not all information is readily available to them.

First of all, most travel agents indeed may have at their fingertips routine cost of air ticketing, hotel rates or certain vacation packages available and will be happy to provide the price information to you instantly when asked. But once your travel request will need to be somewhat customized, whether tailored to your dates of travel or your other travel preferences, to find a relevant answer will be time consuming. Because of this time element involved, do not automatically assume an agency is keen to spend the time to furnish the information you seek when there is no commitment you will travel at all.

Look at the situations from the following perspective. In the old days if you had a problem with your car, you’d drive it to your neighborhood car mechanic and asked him to see what was wrong with it. You would drop the car off at the garage, the mechanic would have a look and tell you what the problem was. He would also give you an estimate and it was up to you to decide if you wanted him to fix it right then and there, wait or seek another opinion and another quote. His services cost you nothing.

But not anymore. These days, no garage, no car repair mechanic is willing to spend time trying to find out what’s the problem with your vehicle without charging you at least one hour labor upfront. Pay and he will look and tell you. Up to you if you will decide to take your car to another shop or have him fix it, he has covered his time spent diagnosing what’s wrong with your car.

Similarly, many travel agencies and professional travel planners and tour operators will charge you an upfront travel planning fee if you are requesting travel arrangements that first of all are time consuming, or there is no guarantee you will book anything. All you are after are essentially private tailor-made travel arrangement s and there are no simple answers or options to give you, and the only way to find out will be for the agent to dig and consult all sorts of different sources he has at this disposal and then present the travel alternatives to you for you to decide upon.

When working with a travel agent, travel planner or any other travel professional such as a knowledgeable destination specialist, keep in mind that a certain protocol will assure you will get not only the kind of travel arrangements you want in general but also you’ll gain a true partner that will always work in your best interest whether you’ll travel away from home on business or for pleasure.

1. First of all, when contacting a travel agent, whether in person or online, don’t hesitate to give them your name – don’t worry, most agents won’t spam you back. Without your name when you’re asking for a valuable travel advice most agents won’t take your request too seriously. Call if you wish but most agents prefer not to take notes, email is a way to go and for an agent to look up a fare often a time means he has to plug in a name, so might as well that name will be your real name. If you decide not to accept the booking the reservation will expire and no harm done. If you decide later to purchase the reservation the agent does not have to rekey it into the system all over again.

2. If you’re trying to be you own travel agent, even in part, say you plan to book your own hotels online, disclose it to the agent your are contacting for assistance, he/she may still be interested to help you with the rest of your travel arrangements. Don’t hide your intentions from the agent as agents don’t like to be used for information gathering purposes only.

3. If at all possible, always contact your travel agent or destination specialist as soon as you know when and where you wish to travel, not last minute before your intended departure. That is even more important when you’re planning a trip to a lesser frequented destination.

4. Don’t book your flights and hotels online and ask a travel agent to do the rest, namely the difficult parts, such as complex transportation connections, travel arrangements in remote locations or to book segments that you just feel are not safe for you to book online yourself. Give your agent to design and book your entire trip for you. The worst you can do is design your own vacation package, then copy and email the same request to dozen different agents to see who may be the lowest bidder. Yes, the internet is perfect for that kind of information gathering but look at this from a perspective of a travel agent. If he/she knows you are sending the same request to dozen agents many of them will not be too interested in dealing with you. Then again, telling them the truth they will appreciate knowing what you are doing and approach the whole thing quite differently and in the end they just might offer you a deal.

5. If you’re after booking shoe-string cost of travel, for example wishing to book the lowest type of accommodations, best be your own travel agent. Do realize that agents can’t book services that are simply too cheap to begin with, not to mention that that kind of suppliers do not pay agent s any kind of commission. The agent may still help you but keep in mind he will be doing you a favor and will be working for you at no charge. If so, appreciate it, email your thank you.

Do realize that to ask an agent million questions, get all the answers, including time consuming quotes, only for you to never replay again is definitely rude and turns agents off completely. If you are polite and respectful many will often work without any commitment on your part, providing you with information you need, working for free. But because of those that just siphon info out of agents so they could possibly book travel on their own leaves not only a sour taste in agent’s mouth but certainly induces the decision to charge au upfront planning fees when a next inquiry comes.

6. On another hand, when it comes to upper end accommodations keep in mind these hotels routinely offer discounts to agents that agents can markup and still offer you room costs below hotel rack rates. Genuine agent is not interested in selling you a higher end hotel in order to make a higher commission but to tailor in a better trip experience for you where he deems it desirable.

7. Keep in mind that there is a difference between a travel agent and a so called Destination Specialist. Most travel agents use online reservation systems to book transportation, hotel and vacation packages. They essentially book or resell ready-to-sell travel offers from a variety of suppliers that do not require more than filling in your name and dates of travel. When it comes to you needing customized arrangements, they will need to contact tour operators and destination specialists that are either part of their consortium or a network they belong to. Depending on the connections they have they will or will not be able to help you.

8. Destination Specialists pride themselves in really knowing their destinations. Many of them have indeed not only traveled extensively but know a particular destination inside-out so they can arrange travel logistics for you based on knowing, rather than looking it up in a brochure or some kind of data base. Many Destination Specialists specialize in difficult, custom designed itineraries and do not sell travel packages. Often a time though not always that kind of service reflects higher markup.

9. Last, please note that many destination specialists as well as travel agents work 110 or more hours per week because especially custom-design travel is indeed very time consuming. Being good at travel logistics does take experience and while with the internet it seems second nature to be able to arrange travel on your own, many travel professional are indeed very good at what they do! They do know more about travel than you, give them a chance, they can save you not only money but also many headaches and above all, they can assure not only that you’ll travel worry-free but that you may have a trip of your life! Keep in mind, a good agent is not after selling you a single ticket or a package tour, they want you to become a repeat client, their go-to-travel processional for rest of your life.

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Top 12 Blogs For Travel Bloggers

This is a list of creative travel blogs that I read and follow. They are written by independent travel writers, the list include those that I consider as heavy-weights in travel blogging. These bloggers are associated with large travel sites/blogs but their focus is on living a unique life (getting to see the world around them) and be an insightful writers. All of them are fun and inspirational to read.

Blog: Everything-Everywhere

Writer: Gary Arndt

Gary has been on the road since 2007 as a professional traveller. On the blog you’ll find interviews with leading figures in the industry like Laura Bly from BlyOnTheFly.com. The posts are factual yet personal as they include Gary’s insights and reasons for visiting each of the destinations. Everything-Everywhere is the top travel blogger on Twitter according to its Klout score.

Most recent post: This Week In Travel – Episode 152

Blog: Nomadic Matt

Writer: Matt Kepness

Matt offers practical and tactical advice about how to travel better, cheaper and longer. The blog gives down-to-earth details about the best ways to explore the world. The blog is more of a collection of useful tips rather than a chronicle of Matt’s adventures although there is a travel guide section with info gathered from Matt’s travels since 2004. The site includes videos and a list of resources.

Most recent post: How To Travel Anywhere For Free

Blog: Go-See-Write

Writer: Michael Hodson

Travelling since 2008 he circumvented the globe without getting on a plane. The blog includes Michael’s adventures and experiences as he goes through each of the travel destinations. Dubai travel is included in the long list of destinations you can read about and there is a section of travel destination tips. The blog is a personal journey of a solo adventurer exploring the world.

Most recent post: Visiting One of the World’s Highest Lakes

Blog: Fox Nomad

Writer: Anil Polat

Chosen by the Huffington Post as one of the top travel writers to watch Anil is a full time traveller but a gadget geek as well, so the focus of the blog is often on the technical aspect of travel. He often visits countries which are off-the-beaten-track and gives practical advice about how to cope in places like Yemen and Iraq. On the blog you’ll find destination tips, tech posts, resources and insights into green travel and culture.

Most recent post: The Landmarks To Look Out For When Flying Into Istanbul

Blog: Legal Nomads

Writer: Jodi – A former Lawyer from Montreal

She has been travelling and eating her way around the world since 2008 and the blog focuses on food, culture and her adventures. One of the plus points about this travel writer’s blog is that it is ad-free (except for Amazon links) which makes it a very clean-cut blog to look at. This is a good blog to watch if you’re into food related travel, the blog is on the MSN list of top travel blogs.

Most recent post: Thrillable Hours: Doug Barber, Co-Founder of Minaa

Blog: Almost Fearless

Writer: Christine Gilbert

One of the top ranking travel & leisure blogs written by a mother traveling with her family since 2008, this blog has beautiful photography and the blend of family, self and travel. The family travel focus can be seen by the blog sections – life, kitchen, photos and kids. You’ll find some useful destination tips but more general life insights.

Most recent post: How I Spent 10 Years To Get Where I Started

Blog: Camels and Chocolates

Writer: Kristin Luna

One of the top travel writer blogs according to Elliott.org and other “top” lists due to the well written text. The writer is a professional journalist, has interviewed the stars and in addition is a travel addict. She covers a long list of travel destinations recording her adventures with the occasional travel destination tip thrown in. The blog boasts many photos of the travel writer in the various travel destinations.

Most recent post: Photo Friday: Columbus, Ohio

Blog: Johnny Vagabond

Writer: Wes

Another of the Huffington Post picks for best travel writer blogs, the charm of this blog is in the well written descriptions of the writer’s adventures. Wes is traveling around the world on a tight budget and taking brilliant pictures as he goes. The writing is engaging, intelligent and entertaining as well as giving you plenty of info about the travel destinations.

Most recent post: A Love Letter from the Philippines

Blog: 48 Hour Adventure

Writer: Justin Morris

A very useful and highly practical blog where each post is dedicated to a 48 hour plan of what to see and do in various travel destinations. What makes this travel & leisure blog standout is its no-nonsense usable quality. You’ll find a “48 hours in Dubai” post if you’re interested in Dubai travel, listing sites, how to get around, orientation and plenty of large photos.

Most recent post: 48 Hours in Reykjavik

Blog: Global Grasshopper

Writer: A team of travel writers Gary and Becky

Unlike many of the blogs on this list it is not a chronicle of any one person’s travels but rather a collection of inspirational travel stories and travel destination tips written by travel writers. For example you’ll find “top 10″ lists, cool hotels and beautiful places as well as the section for travel snobs!

Most recent post: 10 of the Best Travel Destinations

Blog: Travel Business Success

Writer: Tourism Tim Warren

Since 1994 Tourism Tim Warren works to inspire, guide & connect tourism pros’ to realize their dreams. From Michigan to Mongolia, Baja to Bolivia, “Tourism Tim” Warren has helped 1000′s of small start-up tour operators to international business development agencies increase sales, arrivals and profits via his book, online courses and webinars. An entrepreneur at heart, he enjoys helping current & future travel entrepreneurs succeed financially following their passion of a profession in tourism.

Most recent post: 5 Travel Website Sales Tips

Blog: Y Travel Blog

Writer: Caz & Craig Makepeace

Caz & Craig originally from Central Coast of Australia alongside their daughters have been travelling round the world. Y Travel Blog was started in April 2010 as a way to share personal travel tips and stories to help others live their travel dreams. There consistency, dedication and global travel knowledge makes their travel site one of the best.

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The Main Advantages of Online Rent Collection

It Is Safer

The Federal Trade Commission reveals that about 9 million people will be victimized by identity theft each year – that is about 18 people per minute. When the fraud takes place, the FTC estimates that it would take $500 and half an hour for an average victim to resolve each case of identity theft. Except if your tenant personally hands over the check on a monthly basis, the fastest way to fall prey to these types of crimes is by getting a rent check. This is since the banking details of the tenant is printed right in front of all checks dropped in the mail box. Moreover, when the bank account of the tenant has been fraudulently drained, he will most likely turn out to be a major headache. Collecting rent online using the property safety measures makes sure that no one is prone to risk.

It Maintains a Good Relationship between the Landlord and the Tenant

When it comes to sales, the person who hardly ever collects payment is the one who gives you the pitch and gains your support. This is the reasoning behind this. It prevents a good relationship from turning sour by the negative practice of collecting payment. Online rent collection offers the same benefits. Every time you see each other, tenants will relate you with the brand new sink you have installed for them and not the money withdrawn every month from their bank account.

Consider this: your tenants will not be the ones to enjoy the positive effects given by online rent payment. Besides, it gets rid of the stress involved in confronting tenants who do not pay rent in a timely manner, which is not pleasant for both parties.

It Allows You to Remain Organized

Regular transactions between people that involve money require a higher level of organization. This is especially true if there are lots of properties and tenants concerned, since there are more chances to commit an error. Nevertheless, even though you may have only one or two properties, collecting rent checks every month requires you to communicate regularly and stay organized to make sure that payment is received within the right timeframe. Small errors can turn out to be disastrous when they lead to an argument, wherein the landlord and tenant claim that they are the aggrieved party.

One of the greatest advantages regarding online rent collection is the fact that is generates a seamless digital record that barely needs effort for you and your tenant. It is easier to settle any possible disagreements with no room for arguments or opinions: less documentation, maximum effectiveness.

You Can Rely on It

No tenant every said that he/she is excited to pay rent every month. People usually remember the things that make them happy, and this does not include rent payment. If “pay the rent” is found on the last number of your long to-do list, the best tenants can also forget about it.

Paying rent online enables tenants to set up automated payments. This way, even if you do not prioritize rent payment, it will still and always be paid on time. One more major benefit of automatically scheduling rent payments is the fact that it gets rid of your tenants’ temptation to use rent money for other unforeseen expenses.

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Take a Fresh Look at Your Finances

Remember those financial resolutions you committed to at the beginning of the year? If they seem like a distant memory, the start of summer can be a great time for a reset. Follow the tips below to refocus on your financial goals during the dog days of summer.

1. Start with a clean slate. Review your financial situation and recent spending patterns. Is your spending aligned with your financial goals? Re-evaluate any bad money habits that may be holding you back from making better financial decisions. Remind yourself that healthy financial behaviors can become part of your daily routine.

2. Commit to financial stability. It’s easier to do something when you are intentional. Just like you set aside an afternoon to clean out the garage, set aside a few hours to clean up your finances. During this time, reflect, organize and make a conscious commitment to take responsibility for your financial future.

3. Create, update or review your plan of action. A financial plan provides a road map for spending and saving, and encourages you to allocate your money toward the items or experiences that matter most to you. Your plan should include how you will handle your day-to-day finances, achieve long-term goals such as paying off your home mortgage, retiring on your terms or going on your dream vacation. If a large expense comes along, you may need to re-evaluate your financial priorities. Adjust as necessary and then get back on track as soon as possible. Likewise, if you receive a raise or windfall, consider how the additional funds can be applied to your financial plan.

4. Spend within reason. Your plan can provide you with guardrails to keep long-term goals in sight as you satisfy near-term wants and needs. When you know your emergency fund, retirement and other goals are on track, you can purchase tickets to the big game or plan a family trip without any financial guilt.

5. Prepare for the unexpected. Life can throw challenging curveballs. Unexpected events such as unplanned medical bills or losing your job can greatly impact your bottom line. Although you may not know when these curveballs are coming, assess your insurance policies to ensure you’re fully covered, and make an “emergency fund” one of your priorities. Consider reviewing your life, disability health, home and auto insurance policies with a financial professional, who can help you identify and close any gaps in coverage. If you’ve acquired artwork, collectibles, technology or other valuables, make sure they are covered under your current home insurance plan. Also, use this as a time to update beneficiaries on your policies if needed.

6. Find joy in the process. The desire to keep your finances in good order is an admirable aspiration, and it has lasting impacts. Focusing on your finances today may help you to secure a more comfortable financial future for you and your family tomorrow. Consider working with a financial professional to help create a plan to reach your goals. With renewed energy and a well-defined plan, you can feel good about your financial choices.

Scott D. Serfass, CFP®, CRPC®, CDFA™, CLU®, ChFC® is a financial advisor and senior partner of Serfass, Phillips & Associates, a financial advisory practice of Ameriprise Financial Services, Inc. His team specializes in helping people retire confidently and develop a plan to effectively share wealth across multiple generations. Throughout his career, he has witnessed many families continue to grow despite global and economic turmoil. This experience and research paved the way for his book, Family Success.

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Benefits of Credit Card Machines for Business

Other than credit card machines, technology has produced many notable effects, including the credit card machine. In the 21st century, people open themselves up to technology from the very center of their being. It has the added benefit of leading to an increase in the use of credit and debit cards. Additionally, the coronavirus’ arrival has also contributed to the increased use of contactless transactions. EMV cards are replacing magistrate premium cards. EMV chip cards give you the ability to make contactless payments. The merchants must have advanced payment terminals to accept such payments.

Credit and debit cards are used almost exclusively in today’s business world. To take your business to the next level, you must associate it with a credit card machine. The processing and payment services you need for online sales include a merchant processor that provides you with an online payment gateway. There will always be online modes that people will prefer to use, regardless of the volume of transactions. As a result, you have to use an advanced piece of equipment, such as a credit card machine, in tandem with your business.

Advantages:

Just because we’re living in the 21st century, it’s impossible to conceive of life without modern technology. A large number of businessmen prefer to stick to established business models. However, sometimes you have to alter your plans according to the current situation. This means that you need to be one step ahead of everyone else in the business. You will lose customers otherwise. An establishment that gets access to a credit card machine will enjoy countless benefits. Listed the benefits; so, don’t miss the following:

Obtain Legal Recognition for Your Company:

Accepting card payments using digital payment terminals is a legitimate business practice, so it should help your company a lot. The card brand name will be printed on the POS, and thus the customers will have no problem noticing it. This logo will be featured on the same online marketplace as well. The greater the number of customers from outside the country, the more money you’ll make.

Increase Your Profitability:

To accept various forms of payment, like credit cards, Google Pay, Apple Pay, and more, use a credit card machine at your business. Creating a positive impression on your customers is quite simple, but it also keeps your customers loyal. A credit card machine, thus granting flexibility in the ecosystem of online payment, provides customers with many payment options, thus allowing them to pay bills in various ways.

How to stay ahead of the competition:

Many businessmen have not yet fully embraced digital equipment, making small-business models in the early stages of transition. To accept online payments, your business equipment must be upgraded. If customers are no longer carrying cash, you can outpace your competitors. Research has shown that when customers use their cards to make a purchase, they spend more. Additionally, because you will make a substantial profit from accepting card payments, it’s highly recommended that you do so.

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Super Visa Insurance Monthly Pay North York

Note: SV is Super Visa

What is a Canadian Super Visa?

It is a Visa for parents or grandparents. It is a temporary resident permit that allows parents and grandparents to stay for up to 2 years in Canada per visit. Issued for parents and grandparents of citizens or permanent residents in Canada. It has validity for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only allows stays of up to 6 months per visit.

What is the processing time of a Super Visa?

The approximate processing time of a SV is short and takes almost 8 weeks. There are also specific requirements that one must meet before applying for a SV.

What Are The Mandatory Requirements To Apply for This Visa?

The govt of Canada has laid down some mandatory rules for parents and grandparents to apply for a SV. Those rules are,
1) Proof of their relationship with the child or grandchild who must be a Canadian citizen or a permanent resident.
2) A copy of the child’s or grandchild’s birth certificate.
3) A proof of medical examination document.
4) An official document naming the applicant as the parent.
5) A satisfactory evidence of a private medical insurance from a Canadian insurance company valid for one year from the date of entry.

Can The Parents Or Grandparents Work With A Super Visa?

No, the parents or grandparents are not permitted to work as their visa has the same restrictions as a visit visa holder.

What is a SV Insurance?

With the above information provided, now we know to whom a SV is issued and who apply for a SV. Not only the parents and grandparents require a SV, but also a medical insurance before entering Canada. The medical insurance should be no less than CAD $100,000 in coverage for health care, hospitalization and repatriation. This step is mandatory for the SV applicants.

SV applicants have to submit a proof of purchasing a medical insurance from a private insurance company.

There are a lot of medical insurance companies in Canada and North York has also got the best ones. People can go for SV insurance monthly pay North York. This facility of monthly pay gives a convenience of paying insurance charges monthly. This facility of monthly pay gives a convenience of paying insurance charges monthly.

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Setrega – A Global Analytical Regulatory Platform

Setrega is the Global Regulatory Analytical Platform which provides a comprehensive solution to the financial institutions for complying with one or more Regulatory Authorities. Through highly customizable and end-to-end automation, Setrega helps clients to configure Reporting Data, Reporting API, Connecting/Integrating Settings, Report Generation Requirements, Report Validation Requirements, Report Submission Mode and Feedback Management. As a Global Regulatory Analytical Platform, Setrega is designed to integrate with any financial services firms to receive regulatory data and process them to regulatory reports in specific formats with minimum customization effort.

Currently, all financial institutions are facing problems with dynamic changes in regulatory requirements, implementation risks associated with regulatory reporting and managing regulatory report error handling. All financial institutions are forced to adapt to these challenges and continuously seek for solutions which are cost-effective and accurate, with real-time feedback management. Sensiple’s Setrega fits into this emerging environment by supporting multiple Regulatory Authorities with an end-to-end automated solution.

Regulation Complied Preconfigured – ESMA – MIFIR/MiFID II, Monetary Authority of Singapore (MAS), Superintendencia Financiera de Colombia (SFC) etc.,
Significant benefits of the Global Regulatory Analytical Platform are,

Automation Capability

Financial Institutions gets the advantage of preparing and submitting regulatory reports without manual effort.

Comply with new Regulations without risk

Setrega provides flexible data source configuration, API mapping and reporting format changes with minimum customization in product level which ensures relief from regulatory and compliance risks for the financial institutions working in various regions.

Scalability

Depending on the Institutions type like Buy Side/ Sell Side/venues, Setrega is scalable in terms of increasing number of connections, the humongous volume of data, more number of reports and formats, increased number of submission modes and regulatory authorities.

Transparency

Handling a large volume of data gives challenges in managing data to auditing; Setrega makes it more accessible by allowing the clients to have full control over data by powerful data transparency method.

Dashboard

Setrega act as a one-stop shop for all regulatory reporting for financial institutions. A vastly informative dashboard in Setrega provides all historical, current and scheduled regulatory reports and its internal & external statuses in graphical and tabular representations.

Regional Coverage

Financial firms who run their business across the globe get benefited from Setrega as one solution solves all the regulatory and compliance needs. It is successfully verified with major regulatory frameworks like MiFID II and NFA (National Futures Association) and regulatory authorities like SEC and SFC.

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