Memandangkan bunga mawar ini begitu cantik dan istimewa, kami akan tunjukkan video tutorial tentang cara-cara untuk menghasilkan bunga mawar dengan menggunakan bahan seperti kain sutera, satin ataupun reben.
Apa yang anda perlukan adalah kesabaran dan kesungguhan serta keseronokan untuk menghasilkan bunga mawar yang indah ini.
Sekiranya anda mengikuti setiap langkah yang telah ditunjukkan, anda pasti akan mendapat hasil bunga mawar yang kelihatan realistik dan boleh dijadikan sebagai hadiah mahupun perhiasan.
Pastikan anda mempunyai reben, satin atau kain sutera, gunting, pemetik api, gam dan lidi.
Lihatlah betapa cantiknya gubahan ini? Kelihatan seperti bunga mawar yang sebenar bukan?
Sumber : Era Baru
Comparing Term Vs Whole Life Insurance
There are two basic types of life assurance policies: whole and term life insurance. Whole life is one of the permanent insurance policies, which also include universal insurance. Each type has its advantages and limitations. Let us compare term vs whole life insurance to see which insurance type is the right option for your needs.
Term Life Insurance
An insurance policy is a unique investment. It offers protection for policyholders in case an insured event happens to the policy owner. This insured event may be a critical illness, or worse, a premature death.
The benefit of an insurance policy is financial in nature, but the real value is actually psychological because it gives the policy owner 'peace of mind' in case something unexpected happens to the Life Assured.
A term life assurance policy provides this 'peace of mind' but only for a certain period. This period may be 10, 20 or 30 years. If the insured event happens within the specified time, the policyholder and the beneficiaries will receive the benefits from the policy.
However, term life policy is purely insurance only and not an investment policy. It does not accumulate cash value at the end of the term. A term life assurance policy that has ended its term will not be beneficial to its policy owner beyond that.
Whole Life Insurance
All life insurance used to be term only. However, because of its limited period and limited coverage, new types of insurance policies were created to address the demand of policyholders. These new policies assure the policy owner for longer periods, which can go as far as covering the whole life of the policyholder.
Aside from the changes in period, the new types of insurance policies provide more financial value for the policy owners. The insurer invests in profitable ventures using the premium paid above the cost of the insurance.
In addition to making investments, the insurer credits the insurance premiums with interest. The cash accumulated from investments and interest is added to the policy. This doubles the policy's cash value that equals to the death benefit.
Term vs Whole Life Insurance
Term life insurance is only in effect within the time period specified. It also do not provide cash value for the policyholder aside from the benefits given in case the insured event, such as illness or death, happens.
Unlike term life assurance, a whole of life assurance provides protection and investment benefits to the policy owner and his beneficiaries for the rest of his life. It is an investment policy, which means the insurer can use part of the premiums paid by the policyholder to increase the monetary worth of the policy. These funds may be invested in other business ventures.
Aside from that, whole life and its sister policy, universal life, are credited with interest by insurers. The cash value accumulates and when the policy matures, the policyholder can claim double the amount he paid when he retires.
However, the problem with whole life and universal life policies is the high cost of premium payments. Term life insurance costs less to own and can give the same value and the same benefits as permanent life insurance policies.
Marie Ponsaran is an experienced Internet researcher, an independent blogger, and a freelance writer who writes articles on term life insurance, among others.