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There is No Place More Perfect to Visit than Bali

The world is filled with beautiful exotic places that you can visit. You can pick the continent and surely there will be a popular place there that people rave about as being a paradise on Earth or a one-of-a-kind destination. Many of these places are in fact amazingly beautiful and possess qualities that are sure to make them memorable. But if you search the entire world, you will be hard pressed to find a place with the combination of attractive qualities as Bali. This Indonesian island has been described as paradise and for good reason. Here is why there is no more perfect place to visit than Bali.

Bali, the Island Paradise

Bali or Island of the Gods, is a scenic island that is a south eastern province in Indonesia. The island is the jewel of Indonesia and remains one of the most popular tourist destinations in the world. It is frequently a top choice for the most beautiful and desirable places to visit by the top travel al leisure magazines.

Bali is known for its scenic beaches, lush green fields, forested volcanic mountains and amazing coral reefs. The island is also known for the beauty and warmth of its people, who openly welcome foreigners. Bali is an idyllic holiday destination for all ages and genders and excels as a destination for honeymooners as well as backpacking singles, and those seeking thrills and adrenaline pumping activities. Some come for the fun, others come for the quiet while some come to experience the amazing private villas in Bali.

Bali for Weddings

Bali is recognized around the world as one of the most sought after locations for a wedding and this is easy to understand. The island is a beautiful and memorable backdrop for a wedding and honeymoon. The island is filled with locations that are the perfect setting for your nuptials and it also has luxury hotels that cater specifically to weddings. Many of these hotels are five star affairs and sit right on one of Bali’s amazing beaches. Bring a good camera, because they provide direct access to the ocean and a perfect view of the sun setting. But is your budget is tight, there are dozens of other stunningly beautiful hotels that do not have all of the high end amenities. If you pick one, you will surely have a memorable affair.

Since Bali has a rainy season, the best time to do your wedding here is between April and October. Be aware that part of that period (June to August) is when wedding venues, hotels, and travel are more expensive and more occupied so you need to plan book early. During the rainy season, you have a fair chance of not having rain and usually when there is rain, it is only for a short period during the day.

Bali for Lovers

Most would agree that there is something about a beautiful tropical island that just exudes romance. Maybe it’s the white sand and the waves lapping against the shore, or the soft winds rustling through the palm trees. Perhaps it’s the smell of tropical flowers and fruits, or maybe it is the combination of these things. Whatever the case, Bali being a tropical island places it well on its way to being super romantic.

But there is much more in Bali that makes it an ideal place for love. The island has tropical rainforests with hidden waterfalls only accessible by foot and ancient volcanoes that are covered with green lush overgrowth. It is filled with ancient picturesque temples that beg to be explored and all within easy reach of visitors. Many of the resorts on Bali are built from the local woods and include the beautiful fabrics from the island making them lush, warm and inviting. And whether you are in a low budget hotel or one of the private villas, you can hear the island sounds filter through the breeze. You and your significant other can spend night after night in this paradise and never lose track of the fact that the crazy, bustle filled world that you left to get here, is still going on somewhere.

Bali for Water Lovers

Bali is an island with beautiful beaches a world class coral reef and has become a top destination for those who engage in water activities including snorkeling, scuba diving and surfing. Almost all year round you the island is a magnet for those looking to have a great time on the water. The many beaches offer every type of beach sports including: swimming, parasailing, kayaking and boating. For those who want to explore more of the water there is:

Diving and Snorkeling: The water in the Bali is among the best for diving anywhere. It is clear and warm with temperatures often hovering above 70 degrees causing and abundance of tropical fish to live right off the coast. Scuba diving and snorkeling around the island is hugely popular and the many diving spots present enormous opportunities for less and more experienced divers to explore. There is as incredible array of marine life including: Manta Rays that can grow to an amazing 8 meters in length and weigh up to 2,300 kilograms, Cuttlefish, Seahorses, Boxfish and more than a dozen varieties of sharks.

Surfing: Bali is recognized by the professional surfing community as a top spot for serious surfers. Since the 1960s surfers have come from all over the world to surf its large waves. The island contains several world renowned surfing beaches including: Kuta Reef, Padma, Blue Ocean, as well as top quality breaks on the Southwest coast of the island including: Pererenan, Canggu, Medewi.

Bali for the Family

The island also offers a wide range of activities for families and children. These include Elephant rides, a Safari and Marine Park, the Bali Wake Park, a trampoline center, adventure parks, and a zoo. In fact kids will find several dozen fun activities to occupy their time.

One other key areas to note is Bali’s vibrant nightlife, which goes into the wee hours of the morning seven days a week. It alone attracts revelers from all over the region and many parts of the world.

For the perfect vacation, there is no place more perfect than Bali.

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Top five outfit ideas to wear to Gay Pride

It’s that time of the year again where we celebrate what it means to live and love with complete freedom. There are no stigmas that are attached when it comes to love. Whether you are heterosexual, homosexual, bi-sexual or anything else that is in between, Gay pride is the perfect occasion to show off who you are as a person. The real question is, what are you going to be wearing to gay pride to show off your true colours? Here are some of our own suggestions to get your creativity flowing so your outfit looks STUNNING for the parade. 

  1. RAINBOWS!

Of course, if you are going to pride you need to have some rainbows somewhere on your body. It doesn’t matter who you are, you could be a high-end lawyer, a homemaker or even one of the hottest Covent Gardens escorts in the entire world, love is love and the rainbow flag captures the freedom to express our sexualities perfectly.

So, you may be wondering how you can incorporate the rainbow flag into your outfit. Some people just choose to wear it around their necks as a cape or just have it tied around the waist as a sash. However, if you are feeling creative, and want to get your glam on, you can take the flag to a whole new level. Paint it on yourself, and don’t forget to add some sparkle spray to it. Heck, you could even use temporary dye to start colouring your hair into a rainbow pattern.

Now, everyone knows that Pride can be quite a boisterous event, so it’s important that you dress for the event. You need fabrics that are cool that give your body enough room to breathe. If you’re looking for a great way to remain cool, whilst also incorporating the flag into your look, why not buy a large rainbow tutu or some rainbow high-rise shorts. There are even trainers or sandals that incorporate the rainbow flag.

Basically, the sky is the limit when it comes to showing off the pride flag. Just try to think creatively and you will fit in perfectly. 

  1. Sparkles and Gemstones

Whether you’re in the parade or just want to stand at the sidelines, there is nothing wrong with adding a little extra glamour to your outfit. It’s going to be hot walking around all day admiring the events, so you need to make sure that your outfit not only sparkles like mad, but it makes you feel comfortable. If you’re feeling confident then why not just stick to a bikini that glitters with gemstones and sparkles. That way you can use it for dancing the night away.

Better yet, why not use the gemstone trend and stick them on your chest? Most of the gemstones come in multicolours and you can also get glitter roll-on sticks that you can use to sparkle up your body. Pride is about showing yourself off, so it’s a perfect time to show a little skin! Some paints even come in glitter forms, so feel free to add some up to bring a little sparkle to your pride look.

  1. Simple but Chic

Of course, you are also more than welcome to wear comfortable clothing on Pride. Lots of people will be dressing up, but it’s really more important that you just do whatever makes you feel happiest, especially if you do tend to feel a little shy at times. Don’t be scared to just turn up in jeans and a pride related t-shirt. Some people literally have gay slogans on their t-shirt or use their outfits to show support for their friends and loved ones. If you a gay or heterosexual ally of the community then feel free to express it. It’s important that you use pride as an event to stick up for the people you love and care about. As a heterosexual/ cis person then you should be ready to stand up and show that you support the community and the idea of autonomy of sexuality and love.

  1. Go skimpy!

If there is any time to show off a bit of flesh then now is the time. Lots of people go to Pride in a bikini and shorts, just their underwear or even in leather. This is to show that they are not ashamed of their bodies and to reinforce that love is love. It does not matter who they choose to give their bodies to. What matters is that they are happy. The main idea is to be flamboyant and to make the message of pride heard. If that means that you want to show off your skin then so be it. Just have fun! However, if you want to add an extra layer of sass to your look, a large fluffy jacket is the perfect thing to give you a touch of glamour. 

  1. Drag it up

Drag queens and faux queens alike. Now is the perfect time to be yourself. Whether you want to wear a rainbow-inspired ball gown or choose to sit in the parade in a giant cocktail dress, it’s time to let your creativity shine and DRAG. IT.UP. Bigger is always beautiful, darling. There’s it’s time to get out your makeup kit and give yourself a brand new look. Try to think of a theme and then have fun with it. Whether you want to be a pretty princess, a sci-fi warrior or just dress up as someone from your favourite LGBTQ+ anime, GO FOR IT!

What are you wearing for Pride?

At the end end of the day, it’s important to wear something that expresses who you are as a person. Don’t just hideaway. Use the festival as a way to allow yourself to shine and just let go. It’s a great day out and will bring you confidence that you may have never thought you had. Just make sure that you have an outfit that can express exactly who you are.

5 Time-Tested Strategies for Financial Success

Financial Success

There are no short cuts to achieving financial success. To build, preserve and expand wealth that lasts you a lifetime, you must follow some proven principles. Here, we’ve compiled a list of 5 of the essential strategies you should make a part of your financial short and long-term plan to help you build your own financial success.

1. Set up a brokerage account

As soon as you’ve opened a bank account and signed up for your company’s retirement savings programme, jump on the next stage of smart wealth building by setting up a brokerage account. With it, you will be able to invest in stocks of different companies, no-transaction-fee mutual funds, as well as exchange-traded funds, which most people can’t access with their 401(k). 

To give you a quick guideline, opening an account with an online broker, Fidelity requires you to start with a deposit of $2,500; while at Charles Schwab, you’ll need only $1,000, which is not compulsory if you signed up for automatic monthly deductions of $100 or more from your account. For better money management and investment planning, it’s advised you go with a debit card that helps you with that goal in addition to making transactions convenient. 

2. Ensure your investing costs are at a minimal level 

Generally, less expenditure means more money in your account. As a fund investor, focus on ETFs and mutual funds with low expense ratios. As we already pointed out, the first thing to do is to register with a reputable online broker such as Fidelity or Charles Schwab so you can buy and sell stocks averaging $7 per trade. Besides, there are top discounters that allow you to trade select ETFs without requiring sales fees. Seriously consider index funds, especially those that track S&P 500, with estimated annual fees of 0.05%. Funds like Mairs & Power Growth (MPGFX) and Dodge & Cox Stock (DODGX) are recommended as they are top low-cost actively managed funds. 

If you have a fund manager, you’ll probably pay an annual consultation fee of 1%; but you can always negotiate for a lower fee. Another option is to go digital with an AI adviser, which can help manage your stock portfolio by using digital technology. An example is Wealthfront, which will not charge you a management fee if your balance is less than $10,000 and requires you to pay only 0.25% per annum for sums above that. You may also check Betterment, which levies just 0.25% of assets under management yearly. 

3. Diversify your investment 

Spreading out your investment with a variety of good value stocks and bonds can help you weather the storms of volatile periods and enhance your long-term ROI outlook. If, for example, your retirement is at least ten years away, keep 70% of your investments in stocks and put 30% in top-quality bonds. Mutual funds are good great for you too. For example, mutual fund managers, Vanguard Wellington (VWELX) keeps two-thirds of investments in stocks, as a principle, and the rest in bonds; and it has maintained a yearly return of 8.2% over the past 20 years. 

4. Rebalance, retarget and realign as necessary 

It’s important you get regularly balance your portfolio up for better overall performance. Move your investment assets around sometimes, divesting some funds off the ones performing well and shoring up the laggards to get a good mix. Always review your brokerage statements at least twice a year to see where your portfolio needs some rebalancing, retargeting or realignment and then go on to make the necessary trades. 

5. Adjust your investments

As your countdown to your retirement, your target should be an investment portfolio that gives you a good return that can stand the tide of inflation and also minimises your risk.  A spread of 50% stocks, 40% bonds and 5% cash is a nice mix that can help you achieve that goal. A mix of 60% stocks and 40% bonds and cash will likely give more growth; but if your risk threshold is less, then try a mix of 60% bonds and cash and 40% stocks.