Café Hopping – A Pilgrimage to the Most Fantastic Cafes in the World


Some 100 million Americans drink coffee every day. The U.S. specialty coffee industry alone earns up to $18 billion each year. This is just coffee statistics for the U.S. market, but there’s a spike in coffee culture all around the world.

Some of the greatest coffee cities to pay pilgrimage to include:

  • Wellington, New Zealand – The flat white coffee is very popular New Zealand, first invented in Sydney but perfected in Wellington. With that said, there is every reason to visit Wellington for its perfect servings of flat white. Though all cafes here are great, the best shops to visit are Lamason Brew Bar and Flight Coffee Hangar.


  • Seattle, U.S. – With the size of the U.S., it becomes hard to point one city worth paying coffee pilgrimage to, but Seattle is hard to ignore. The city gives so much pride in its coffee products that café hopping in here is worth every one’s while. Order just about every coffee concoction, from espresso to single-origin pour at Seattle Coffee Works or Empire Espresso.

  • Rome, Italy – Almost everyone in Rome sips a cup or two of coffee daily. Rome is in fact the home of the finest baristas in all of Italy, and this is where you get to enjoy espresso so freely. Head to Giolitti or Rosati and indulge in Rome’s daily ritual of coffee drinking.

  • Melbourne, Australia – Yes, it’s not Sydney but Melbourne that can spoil you with excellent coffee choices. Melbourne is so addicted to caffeine in that it holds the annual international coffee expo, the largest coffee event in AustralAsia. Oh, and the tickets for the exciting Melbourne International Coffee Expo 2015 are currently on sale.


  • London, U.K. – After perfecting their cups of coffee, a number of Australians and Kiwis opened shops in London, starting the city’s coffee culture. The best coffee shops in London are located at the East, although one can find decent cafes in other locations.

Many people love coffee so much, they don’t mind spending money on otherwise expensive café-bought caffeine blends as long as they can enjoy a good cup, good ambiance and equally good company. How awesome would it be to combine love for coffee with travel? Plan for a café-hopping escapade and pay homage to some of the world’s best coffee shops.

Top 10 Famous Business Cards


Business cards are an intrinsic part of self-advertisement. They function as a quick snapshot of what you and your business can offer potential clients and business partners, so presentation and style is everything. Listed below are ten famous business cards that really grab your attention for all the right reasons.

In at number one is the great and mysterious Houdini, whom allows his enigmatic persona do the talking. His business card is subtle yet effective, playing on his public image as a ‘man from beyond’.

Next up is Facebook CEO, Mark Zuckerberg. Although his card doesn’t utilise unusual shapes, such as Houdini’s, the simple ‘I’m CEO, Bitch’ makes the point clear and precise. It reflects his impact on the world of social networking.

Zuckerberg business card
Zuckerberg business card

Andy Warhol’s card perfectly sums up what the artist is about – it plays with both colour and handwritten font to show his creativity. His business card lets the pastel tones and overall design do all the talking.

Another wonderful example is Walt Disney‘s business card; utilising what he did best, the cartoonist put his work on the card for everyone to see. A perfect way to demonstrate your talent to clients.

Similar to Zuckerberg, Steve Martin goes for comedy to win over whomever sees his business card. Using a witty short commentary, he immediately showcases his comedic talents.

In keeping with big personalities, Lady Gaga keeps it straight to the point with her business card. She simply has her name, creative director position, and then contact details, however, it’s the former two examples that stand out due to their bold print.

Famous Business Cards
Famous Business Cards

In stark contrast to Warhol, artist, Edward Ruscha, keeps it minimal. It only has three lines of printed words; plain, subtle, but extremely effective. It grabs your attention, and makes you want to know more.

Larry Page, CEO of Google, lets the famous brand logo do the talking instead of his name; the colourful motif sits centre stage, immediately drawing your gaze.

Also keeping us interested, though not due to over flashy designs, is Albert Einstein‘s business card. The simplicity of his card speaks volumes, it doesn’t overstate his intelligence.

Lastly, Chuck Jones demonstrates his impeccable skills (in a similar method to Walt Disney), and includes a piece of his own work on his business. The road runner is undoubtedly one of his most infamous characters.

Although all the mentioned business cards belong to famous people, they serve as a great means of inspiration to spice up and rejuvenate your own business cards, visit instantprint for more great ideas.

Best Way To Tell Your Boss You’re Quitting


Deciding to quit your job is not an easy decision. There are finance headhunters in Chicago waiting for your start date to begin the next phase in your life, but you have unfinished business at your current company. There are things, good and bad, that have to lead you to this decision, and now it is time to convey that information to your boss. Speaking belligerently, saying nasty things about your co-workers, quitting on the spot, or simply never showing up again are completely unprofessional, and horrible ways to quit your job.

If you are working with a temporary agency or a headhunting company to find your positions, you can be sure accounting recruiters, and recruiters of any kind, will be hesitant to bring you on board for fear you will do the same thing to them.  Whether in a letter of resignation or in a face-to-face conversation, these are the elements you need to include when telling your boss you are quitting your job.

  • Thank them for the opportunity. – An expression of gratitude can go a long way. Thank them for the opportunity to work at the company, and whatever other benefits you have received from being in that position.
  • Explain why you are leaving. – You do not have to go into details about your next move, or the problems you had with the job. You can be very general and express that “another opportunity has arisen,” or you are “relocating”, but make sure you stay away from any negativity about your coworkers or employer.
  • Express a willingness to help with the transition. – If applicable, let them know you are willing to help the person who replaces you in their new position.
  • Give a date you are leaving. – Give a specific date you are leaving so your boss can be as prepared as possible for this time of change.

The Importance of Business Interruption Insurance


Hurricane Harvey is serving as something of a cautionary tale, and not just for the people who have been directly impacted by what is proving to be one of the most catastrophic storms in the history of the United States. Hurricane Harvey is also sending a message to people across the country, including small business owners. Part of that message involves underscoring what business owners need to do to ensure that they are prepared for some sort of event that might somehow interrupt the operations of their business enterprises.

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A business owner is wise to give serious consideration to obtaining a business interruption insurance policy. This type of insurance coverage can prove beneficial to a business in a number of different ways.

Definition of Business Interruption Insurance

Business interruption insurance is a type of coverage that provides compensation for losses sustained by a business in the aftermath of some sort of disaster. Coverage covers certain revenue losses associated with the closing of a business because of some sort of disaster. In addition, a policy can provide coverage during the period of time in which a business is involved in the rebuilding process.

You need to bear in mind that this type of insurance coverage differs from that associated with property damage. In addition, you need to understand that business interruption insurance is not a part of a traditional policy of insurance covering property damage or loss.

Type of Coverage in a Business Interruption Insurance Policy

As is the case with all type of insurance, a business interruption policy sets forth specifically what is covered. With that said, there are some types of losses that typically are included within the coverage provisions of a business interruption insurance policy.

Profits represent the type of loss that is included in the coverage of a business interruption insurance policy. In order to determine what is to be paid in the way of lost profits, an examination is made of the financial history of the business. This may include looking at the profit from the most recent month or taking into account more than one month in making the calculation.

This type of insurance typically covers what are known as fixed costs. These represent expenses a business will continue to face even when it is shut down because of some sort of disaster.

In some cases, a business can pick up operations by moving to a temporary location. Some policies will provide coverage for the costs associated with a temporary relocation of a business.

Time Period Coverage is Provided

As is the case with the extent of coverage provided, the specific time period in which compensation will be provided is set specifically by the terms and conditions of an insurance policy. With that noted, as a general rule, a business interruption insurance policy will provide coverage for the time period that starts on the date of what is known as the covered peril.

Using Hurricane Harvey as an example, the commencement date of coverage for a business would be the date on which a business’ facility flooded and became unusable. As a general rule, the term of coverage will run from the date of the peril to the date when repairs are completed and operations can resume. An insurance policy usually reference that operations must result under the came conditions that prevailed or existed prior to the disaster that caused the shutdown.

Some business interruption insurance policies will include a waiting period before coverage kicks in. For example, a business needs to be nonoperational for a specific number of days before coverage commences pursuant to a business interruption insurance policy.

Pay Attention to Exclusions

As a business owner, if you elect to seek business interruption insurance, you must review the insurance policy closely. You need to pay particular attention to what are known as exclusions that may be included within the policy.

Exclusions eliminate coverage for certain types of disasters or events. In order for this type of insurance coverage to be beneficial to you and your business, it must provide suitable coverage for the type of disaster that you are most likely to experience.

Hurricane Harvey provides a solid illustration. A business interruption insurance policy would not prove helpful to a Houston, Texas, business owner if it excluded coverage for a business interruption caused by flooding or wind damage.

Keep in mind that exclusions in a property damage insurance policy do impact coverage in a business interruption policy. As noted previously, these are two separate and distinct contracts of insurance.

Jessica Kane is a professional blogger who writes for Documents International LLC, a leading apostille service for individuals and businesses.

Overview of Property and Liability Insurance for Your Small Business


One of the most important categories of insurance for nearly any small business is property and liability, also known as property and casualty. With that in mind, there are a number of important considerations you need to bear in mind when it comes to determining what types and how much property and liability insurance coverage you need for your business enterprise.

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Property and Liability Insurance Defined

At its essence, property insurance is coverage to protect your business from damage or loss associated with property associated with your venture. This can include everything from equipment to furniture in your business to a building you may own in which you operate your venture.

Liability insurance is coverage for your business for negligent acts or omissions. In other words, this type of insurance protects your business in the event that a product or service you provide through your enterprise somehow damages someone.

Property Insurance Coverage Up Close

There are three basic categories of property insurance coverage for a small business. The first of these categories is what is known as basic form. Basic form includes coverage for losses causes by things like fire, lightning, windstorm, hail and explosion. Under basic form, your business is covered only for actual losses. The specifics are contained with an insurance policy.

The second category of coverage is known as broad form. Broad form contains all of the coverage found in basic form. Broad form also includes losses caused by things like the collapse of a roof because of snow or ice as well as damage caused by accidental release of water. The extent of coverage is specifically delineated in an insurance policy.

The final category of property insurance coverage for a small business is special form. In some instances, special form is referred to as all risk. Special form covers all physical losses except for those that are explicitly excluded within the provisions of an insurance policy. This represents the most comprehensive type of property insurance coverage available. Because its coverage is so broad and comprehensive, special form is also usually the most expensive property insurance coverage derivation for a small business.

When it comes to property insurance coverage you have two other options for your business. First, you can obtain actual cash value coverage. This type of coverage pays compensation for loss based on the value damaged property taking into account depreciation.

Second, you can obtain replacement cost insurance. With this type of insurance, you receive compensation for damaged property based on its value without taking depreciation into account. This type of insurance has more costly premiums than does cash value coverage.

Liability Insurance Coverage Up Close

The importance of liability insurance coverage for your small business cannot be underestimated. This insurance is designed to protect your business from financial loss arising out of injuries, deaths, and damage to the property of another party caused by your products, operations, or employees.

Premises liability or operations insurance provides coverage for someone injured at your business. A common example of the type of injury covered by this type of insurance is that arising from a slip and fall accident.

Products liability insurance provides coverage for someone injured caused by a product or some sort of work performed by your business. The defect in a product could be in regard to its design or improper manufacturing.

Commercial Automobile Insurance Coverage

If you have an automobile, or automobiles, that you use for your business, commercial automobile insurance coverage covers this vehicle or vehicles. The coverages available through this type of policy is similar to what is found on a personal or individual automobile insurance policy.

Other Types of Property and Liability Insurance for a Small Business

Depending on the nature of your business, you may need some other types of insurance coverage that generally fall within the property and liability category. One type of insurance is called bonds. Bonds are a type of insurance that guarantee a specific type of performance by your business enterprise.

Business income and business interruption insurance provides coverage if your business operations are interrupted because of some sort of covered property loss. For example, if a major storm damages your business premises, rendering them unusable for a period of time, business income or business interruption insurance coverage may provide compensation for the income or revenue loss.

An insurance professional can assist you in ensuring you obtain appropriate property and liability insurance coverage for your business. Obtaining proper property and liability insurance coverage needs to be a priority for your business and not an after thought.

Jessica Kane is a professional blogger who focuses on personal finance and other money matters. She currently writes for, where you can get personal checks and business checks.

4 hacks for running an efficient warehouse


Efficient warehouses are at the heart of distribution networks that move essential goods from companies to consumers across the world.

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And as a company’s operational area extends, maintaining a ship-shape operation can become challenging.

But here are four hacks for running an efficient warehouse that should set you on the right track.


Finding the right location is a no-brainer.

You’ll need to find a site with an existing warehouse or with sufficient space to house one you’ll build.

It should also be perfectly positioned for transport links so that goods can be delivered and dispatched swiftly.

Amazon’s one million square foot warehouse in Dunfermline, Scotland, is the size of 14 football pitches — but its Central Belt location also brings excellent transport links to locations throughout the UK.

And if your facility will significantly boost local employment you may be able to apply for government assistance to help with set-up costs.


Your warehouse needs to be big enough to cope with the projected growth of your operation — so you’ll need to research how much space you anticipate is required.

And when you’re faced with a huge empty interior you’ve got the ideal opportunity to plan floor layout properly from the start.

A two-tier mezzanine warehouse allows you to maximise space through creating a second floor full of product shelving. But fixed and mobile shelving can also be useful, depending on the type of products you stock.

Product placement is also crucial — ensuring that your most popular products are easy for picking staff to locate saves time and money.

Inventory control

Knowing how much stock you have of every single product is vital — if you lose control of inventory chaos will ensue.

Colour-coded shelving with clear signposts is a good start, but larger warehouses might invest in supply chain management software to keep things running smoothly.

These systems can integrate with barcode or radio frequency identification technology in handheld devices carried by every staff member — simplifying large-scale picking and packing processes.

If technology is user-friendly then it’ll help staff to work quickly and accurately.


An experienced warehouse manager who can motivate and support staff is a must-hire.

Working in a busy warehouse is demanding and requires a specific skillset — but if your staff don’t feel appreciated they’ll eventually leave, taking their expertise with them.

Paying competitive wages is one way to motivate team members — but a healthy culture with useful perks might be more powerful.

And specialist training from experienced staff should be mandatory — a mentoring scheme and progress monitoring can help new talent cope with a steep learning curve.

It’s likely to be some time before the largest warehouses are completely automated — so happy and healthy employees are your greatest resources.

Without a dynamic and agile distribution network even the largest companies can fail and even short-term dips in service standards can severely dent profits and reputation.

But these four hacks for running an efficient warehouse should help you lay the foundations for sustained success.

Is your warehouse the key to your success? Share your stories in the comments section.

5 industries that have moved online in the last decade


In the last decade there have been more developments in technology than there have been for the whole previous century. The internet has opened so many opportunities for people and it’s evolving constantly. Thanks to this rapid improvement many businesses and industries that were once strictly physical, are now moving their business online. Here are 5 of them that moved online in that last decade.


People used to go to travel agency offices to talk with agents and plan their trip. This rarely happens anymore as all travel agencies and trip planning has moved online. Now all people need to do is visit sites like Expedia and Airbnb and they can arrange everything from there. They can even talk with agents through the internet and social media, making planning trips easier than ever.


When it comes to entertainment the first things that come to mind are games, movies and partying. The internet has truly changed these things. Online games are now what everyone plays. Nowadays people also prefer to watch Netflix from home rather than go to a cinema. Even high stakes games such as Roulette or Slots which were once only available in physical casinos have now moved online to real money casino sites like, giving birth to some of the most entertaining ways to play from home.


People used to buy CDs and then share them with their friends and listen to them on their CD players. Nowadays all of that has moved online with the rise of services such as iTunes, Spotify and many others, making music not only easily available, but also in great variety and at very reasonable prices. The conveniences they offer have made many forget of the days when the industry depended on physical sales.


This is probably one of the industries that is hardest to believe it was ever any different. Online shopping has become such a basic but important part of our lives that it´s hard to imagine a time when people would only get their clothes, gifts and even food by visiting the physical store. Of course it still happens but everyday more and more people are shopping online because it´s so much more convenient. With item deliveries and shipping also improving, this industry is at an all-time high.


Remember the time people used to phone each other and the time that having a home phone landline was crucial? Feels like forever ago but now people depend mostly on the internet for communications. That’s why services such as Skype has become so popular. VOIP technology has changed how we think of telecommunications and this has made the industry move towards a strictly online model.

The 5 industries mentioned above are just few of the many that are slowly but surely moving towards the online space.

How millionaires manage their finances


It is natural to assume that being a millionaire is wonderful and that there are no longer problems or issues with life. While you will not find much sympathy for millionaires, there is a need for people who have this sort of money to take proper care of their finances. Just because a person has a lot of money doesn’t mean they should be wasteful with the management of their wealth and you’ll find that one of the secrets to becoming a millionaire will revolve around the proper management and utilization of income and money.

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With this in mind, you’ll find that having rules or guidelines in place will help you achieve your financial aims. If the rules and guidelines work for you, you can keep following them, but if they aren’t protecting your money, you have a platform to make changes that will hopefully help you to make better decisions in the long run.

Have various income streams or investment plans

When it comes to managing money, taking the risk out of your finances and building towards a stronger financial future, it makes sense to diversify how you make money or how you invest your money. You’ll find that millionaires, even ones who made their dollars in a singular manner or industry, will create a portfolio where they utilize their money to best effect.

That may bring about a smaller return than by committing entirely to something that turns out to be successful but equally, if a sizable investment were made on something that failed, the losses would be considerable. Managing and using money when you are a millionaire is often about pragmatism so it makes sense to spread your investments.

Create a budget

If you were a millionaire, you might think you would have complete financial freedom and that you didn’t have to worry about any bills. While a millionaire may be confident of having enough money in his or her bank account to ensure their card won’t be declined when buying groceries, you’ll find that most millionaires who are intent on remaining millionaires know their budget.

Live within your means

This is good advice for everyone, regardless of how much money you have, and it is perhaps useful to know that being a millionaire shouldn’t change how you view and use your money. You should know your budget, what money you have available and then live within these means. If you do this, you will remain well off, but if you outlive your means, your money will diminish and eventually, you may find yourself in a challenging financial position again.

Understand what you invest in

As a millionaire, you should have more time to study or learn new things. That is good but if you are investing, make sure you invest in markets or products you understand or have a passion in. An informed decision is usually always better than a guess or deciding on a whim.

Get smart financial advice

It is, of course, one thing to become a millionaire after years of hard work and determination with a plan or structure in place. That can be a challenge but people who find themselves becoming a millionaire in an instant, with a lottery winner being the prime example, find themselves in a life-changing situation. Therefore, there is a need for such winners to receive as much support as possible, both in respect of managing their money and in dealing with the psychological impact of having this amount of cash suddenly available.

Getting the right sort of advice in life is essential, and that is why the best standard of financial advice for lottery winners is crucial. Many people daydream about having access to the funds associated with a lottery win, but there is a need to understand the pressures of this money and some of the problems it can bring. Being a lottery winner is a life-changing experience and with the right guidance and support, it can be a wholly positive one.

You may think being a millionaire is an unlikely ambition, but it is worth considering how millionaires made their money and how they protect their finances. Following the guidance of millionaires on how they control their investments, income and expenditure can help you improve your financial outlook.

Bangkok Serviced Office – Take the Hassle Out of Moving with a Fully Furnished Office


For business owners in Bangkok, relocation can be a major task. While the infrastructure here is generally very good and getting better, it can be difficult to source removal and décor services. Depending on how unique your branding is, it may also be tricky to locate high-quality furniture and other pieces. In short, setting up a new office is no simple feat.

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Fortunately, there is a way to supercharge the relocation process. You could choose a Bangkok serviced office – Servcorp’s fully furnished offices will meet your business needs and more. They come fully furnished and stocked with everything required to run a business. So, all you have to do is make sure the team is ready to get started.

Keep reading to learn about serviced offices and why they guarantee businesses an easy relocation.

No Manual Labour Work

Immediately, serviced offices beat regular leases because there is very little labour involved. Setting up a fully furnished office is easy, as you don’t need to move any furniture between addresses. You can, of course, bring any items that you please, but the suite is fully stocked.

When you go serviced, you pay for a complete package. This includes everything needed to keep the office up and running, including utilities. Again, that is another load off your mind when relocating. There is no need to negotiate with utility companies over the phone.

Big Savings on Essentials

While serviced offices in Bangkok are certainly not budget options – they are at the high end of the market – businesses on a budget can afford them. This is because the utilities get consolidated into the monthly rental fee. It makes it so much easier to manage your expenses.

Plus, you can invest more in the calibre of the office location. Serviced tenants are largely protected from the utility price hikes. They pay the same fee for lighting, heating, cleaning, air conditioning, and broadband every month. There is no more chasing the best deals.

Plenty of Onsite Support

Even though the basic logistics and lines of communication are ready from day one, it doesn’t mean there won’t be minor hiccups. Relocating a business is no simple task, whether you’re leasing a serviced spot or a regular office. The equipment and staff need careful management.

It is possible that there may be teething problems during the first few weeks. However, serviced facilities offer the support of onsite experts. These third-party helpers can install IT equipment, hook you up to servers, set up phone lines, provide administrative advice, and more.

A Simple Way to Connect

It’s worth considering the impact of unwanted downtime before you decide to lease a traditional, long hold office. With a serviced suite, the disruption to regular routines is minimal. The office can be up and running within days because the furniture and décor are ready.

Traditional offices, on the other hand, often need to be painted, re-carpeted, stocked with furniture, and made secure. All of this takes time, and you could be using it to network, market your brand, and make new connections in Bangkok.

Why Bangkok Is the Right Home for Your Business

Thailand is just one of the countries in Southeast Asia that continues to attract entrepreneurs and investors. Like its neighbours, Indonesia, Malaysia, and the Philippines, this region is on the cusp of greatness. According to economists, it is set to become a leading world power.

In other words, there is no time like the present to invest in Thailand. Start a business here, and you’ll enjoy top class real estate, a friendly tax system, a vibrant tech scene, and some of the most beautiful landscapes on the planet.