Monday, November 18, 2013

Top 5 Bali Beachfront Villas

Bali is an island province located in Indonesia, the largest Muslim country in the world. Unlike larger islands of Indonesia, Bali is home to most of Indonesia's Hindu minority. This island is popular to its beautiful and magnificent tropical beaches that attract millions of domestic and international tourists every year. In 2012 alone, Bali accommodated more than 2.88 million foreign tourists and this figure keeps growing. This huge influx of tourists benefited  the real estate industry as evident on the construction of multimillion dollar hotels and villas throughout the island, mostly in coastal locations such as Seminyak, Canggu, Candidasa, Sanur, Ketewel, Legian, Kuta, Jimbaran, Uluwatu, Nusa Dua, The Bukit and Seseh-Tanah Lot . Because of its attractive surroundings (both mountain and coastal areas), Travel and Leisure magazine awarded the island with the Best Island award in 2010. Moreover, BBC Travel awarded Bali as one of the world's best islands, second only to Greece.  The Australians, Chinese, and the Japanese people top the list of foreign tourists visiting Bali. There is also a considerable number of expatriates living in the island (30,000 foreigners as of 2010), some has married natives.

If you are visiting Bali for the first time, accommodation would not be a big problem because there are lots of hotels and villas in the island that you could rent. You could reserve your accommodation online or via phone even before your scheduled flight to Bali. is a user-friendly website in which you can book private beachfront villas in Bali at varying rates depending on  your budget. The website lists a lot of villas which may overwhelm you; that is why we selected some of the best villas that we strongly recommend for you.

The villa's name means "Villa on Top of the Waves" which somewhat describes the location of the villa. This 5-bedroom villa has a sleeping capacity of 10 people. Staff includes Babysitter, Chef/Cook (All meals), Housekeeping (Full time), Manager, Masseuse/Spa Therapist, Security, Service Staff and Shopper.  It is a perfect place for weddings or large gatherings, with ample play areas for a classroom-worth of kids, and many chill-out spots for the adults. The coastline view is astounding, with at least 120 degrees of the 180-degree view being taken up by the ocean.

The name of the villa means "High River" which describes its current location: in the arm of a small lagoon, at the point where the river meets the sea.  Villa Sungai Tinggi is characterised by coralline-limestone walls, thatched roofs, and an open-sided living pavilion fashioned after a traditional Balinese wantilan, or village meeting hall. This villa is perfect for family holidays and or vacationing groups. This 6-bedroom villa has a sleeping capacity of 14 people, served by a staff composed of Babysitter, Chef/Cook (All meals), Driver (8 hours), Housekeeping (Full time), Manager, Masseuse/Spa Therapist, Security and Shopper. It is located beside the popular Pererenan surf beach, a long way north of the downtown Seminyak beach scene, so it’s very private, very secluded, very calm and very much all yours. The central feature of the villa is the astounding infinity-edge swimming pool with shallow shelves at one end, bordered by a timber deck with chairs and sun loungers.

This 5-bedroom villa is a great villa not only for an extended family or a group of friends, but also as an ideal place for special celebrations; its popularity as a venue arises from it being beautifully photogenic, very private and refreshingly calm. Its 5 expansive bedrooms that are scattered throughout the tropical garden has a sleeping capacity of 12 people. The villa is fully staffed, composed of a Babysitter, Chef/Cook (All meals), Driver (8 hours), Housekeeping (Full time), Manager, Masseuse/Spa Therapist, Security, Service Staff and Shopper. Key amenities include Air-con, Car, Internet (WiFi), Swimming Pool (Private), Tennis Court and TV (Satellite/Cable). Other amenities include Baby Cot, Board Games/Toys, Book Selection, Car Parking, CD Library, CD Player/Stereo System, Ceiling Fans, Coffee Machine, DVD Library, DVD Player, Equipped Kitchen, Extra Bed (Roll away/mattress, Hairdryers, IDD, iPod Dock/Speakers, Jacuzzi, Laundry Service, Swimming Pool Toys and Wine Fridge.

This villa is a trio of modern, similarly-styled, three-bedroomed  houses is surrounded by rotating fields of maize and rice, just 100 meters from the black sands of Padang Galak beach. Sanur Residence has 9 villas with a sleeping capacity of  21 people, perfect for big family and group events including nuptials. The three houses are modern and minimalist in design with a hint of traditional materials. The staff includes Babysitter, Chef/Cook (All meals), Garden/Pool Staff, Housekeeping (Full time), Manager, Masseuse/Spa Therapist, Security, Service Staff and a Shopper. Key amenities include  Air-con, Car, Internet (WiFi), Swimming Pool (Private), TV (Satellite/Cable) and Washing Machine.

Nusa Lembongan, a small tropical island just half an hour’s boat ride from Sanur, is the location of this beautiful beachfront villa. The place can be considered as a paradise, with white sand beach facing the 5-bedroom villa with a sleeping capacity of 10 people. One guest described his experience as: "Felt like we were part of the rich and famous world, unbelievable.."

Monday, March 11, 2013

Top 10 Private Villas in Phuket by

Many tourists who want to explore Asian tropical beaches are going to Phuket, Thailand and Asia's premier tropical destination with more than 4 million visitors a year. Phuket is famous with its beautiful white sand beaches, delicious cuisine, spectacular lifestyle, vibrant towns and interesting culture and traditions. There are lots of enjoyable activities that you can do in Phuket like playing golf, sailing, diving, snorkeling, shopping, bar hopping and food tripping. For accommodation, you should try one of Phuket's private villas with private pool, staff, facilities and amenities. You could find them online by just searching them in Google or Bing search engines., a website that features Phuket villas, reviewed and rated some of the best private villas in Phuket that you should consider looking at when your planning to stay in Phuket for vacation.

With its acclaimed design and spectacular west-facing perch above the Andaman Sea, Villa Amanzi offers a postcard-perfect tropical escape with a modern twist. Set in a private estate that's a world away from Phuket's busy tourist districts, this lavish 6-bedroom, fully-staffed villa is a heaven-sent haven for families and groups. Book This Villa Now!

With clear views over the ocean and Kamala Bay, the vivid 3-bedroom Villa Chi blends modern style with a gorgeous tropical seafront setting. Guests will relish Chi's spectacular sunset views, 16m waterfall pool and entertainment facilities, and enjoy complimentary access to the superb amenities at the Cape Sienna luxury resort. Book This Villa Now!

Set in an exclusive enclosed development perched on the cliffs between Patong and Kamala, this delightful, fully-serviced 4-bedroom villa with its dramatically positioned infinity pool effortlessly blends luxury and style, delivering an ideal location for a private coastal escape, minutes away from some of Phuket's best nightlife and shopping. Book This Villa Today!

Spectacular sea views and an exclusive hillside location just minutes from Surin and Bang Tao beaches make the 6-bedroom Villa Beyond Bangtao an enticing, exciting retreat for families and groups. Celebrate Phuket's tropical days and nights in style with the private pool, chef service, Sonos entertainment system and rooftop terrace. Book This Villa Now!

This modern five bedroom villa with amazing sea views from atop a jungle-clad hill in Surin is truly a place for celebrating life with family and friends. Offering a stunning cinema room, top-notch technology throughout, seven friendly staff and an infinity pool, Villa Zamani offers a full spectrum of tropical delights. Book this Villa Now!

With world-class architectural design and a amazing sea-view perch, the fully staffed, four bedroom Villa Padma presents an exquisite escape into the lush Cape Yamu region on Phuket's eastern coast. Groups and families will enjoy refreshing dips in the 25m pool and entertaining in grand style, plus easy access to yachting and golfing. Experience luxury at Villa Padma. Book This Villa Now!

Part of L'Orchidée Residences estate, the delightful 4 (+1) bedroomed Villa Aranda commands spectacular views overlooking the vibrant Patong Bay, Phuket's popular tourist center, on the island's famous west coast.
Book this villa now! Also visit other villas in the L'Orchidee estate here.

Villa I is an elegant, seven bedroom tropical villa perfect for extended families as well as groups. Located on the picturesque Kamala headland, its sweeping sea views offers the perfect backdrop for a splashy event. A carefree island escape is assured with the villa's 25 meter pool, amazing entertainment facilities and skilled Thai chef. Book this villa now!


With mesmerizing views across the rugged coastline of Kamala from its imposing hillside perch, the fully staffed, six-bedroom Villa Liberty presents groups an extravagant tropical vacation. Liberty has extensive entertainment facilities, talented chef, infinity pool, two lifts and spectacular ocean-view massage room make it both a perfect party place and tranquil refuge. Book This Villa Now!

The ultimate in cool luxury, Paresa Grand Villa serves up a heavenly hillside retreat with three (yes, three!) private  swimming pools and four elegant, modern bedrooms, all with spectacular views across the vibrant Andaman Sea. A tranquil, restorative holiday is assured for groups or families seeking a total tropical escapade. Book This Villa Today!

Friday, November 23, 2012

Top 10 Life Insurance Companies in the Philippines 2011

Every year the Insurance Commission, the government agency that regulates insurance companies in the Philippines, releases relevant reports about the life insurance industry in the Philippines. One of these reports is the ranking of life insurance companies in the Philippines based on different criteria such as premium income, assets, net worth, net income and paid up capital. Out of these criteria, the ranking based on premium income is one of the most popular because it determines which company is leading in terms of insurance sales/revenues. As of December 31, 2011, the leading life insurance company based on premium income is Sun Life of Canada (Philippines) with 13.8 billion pesos in premium income. After many years of just being number 2, Sun Life was able to defeat Philam Life by 300 million pesos in premium income. The two is competing to be at the top but let us see by next year of which company will be number 1. 

Source: Insurance Commission

The Significance of Ranking

Well, this ranking may help Filipinos decide on which company they will get their life insurance. With 34 life insurance companies in the Philippines, it is quite difficult and even confusing to decide which life insurance company to choose. At least with this kind of ranking, Filipinos have some kind of criteria that will help them decide. For example, they may associate the ranking with company stability or market leadership. Filipinos are tired of companies closing down, that is why they want to make sure that they are partnering their future  and security with stable companies.

One of the reasons why Filipinos don't like the idea of life insurance is because they are afraid that the life insurance company will close down just like what happened with few pre-need companies. The Insurance Commission (IC) strictly regulates life insurance companies to protect the public. The agency makes it sure that every life insurance company has enough reserve to pay their obligations to the policyholders. Because the IC is doing a great job, no life insurance company in the Philippines has ever closed down except for mergers and buyouts which are by the way not harmful to policyholders.

What Matters

Even if your life insurance policy is issued by the last company in the list, it doesn't matter. What matters is the ability of your life insurance company to meet its obligations to you as the policyholder and to your beneficiaries in due time.

The Sad Note

The truth is there are still many Filipinos that don't have life insurance especially breadwinners or people with dependents. According to the IC, there are only 3.3 million policies that are in-force in 2010. This does not mean that there are 3.3 million Filipinos with life insurance policies because there are some people who have multiple policies. For example, my wife and I have a total of 4 life insurance policies (plus personal accident insurance from non-life companies) but we think we are not yet adequately covered. There is still a huge market for life insurance products in the Philippines but unless more and more Filipinos are being adequately educated on the importance of life insurance, there would be no significant improvement in the number of Filipino lives insured each year.


Raymund F. Camat is a licensed Financial Advisor of Sun Life Financial. For your life insurance and financial planning needs, contact him at 09179698062 or email him at You may also visit his website at Follow him at


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