Tiada perasaan yang boleh digambarkan ketika kita pergi bercuti dan melepaskan segala tekanan duniawi. Ketika bercuti, kita hanya perlu memikirkan aktiviti seronok yang perlu dilakukan. Kita tidak perlu bersusah payah membersihkan bilik, memasak sarapan dan sebagainya kerana segala perkhidmatan akan disediakan oleh pihak hotel.
Menikmati sarapan di hotel juga merupakan salah satu pengalaman yang menyeronokkan tetapi pernahkah anda menikmati sarapan sambil menyaksikan ikan paus humpback membuat persembahan secara langsung di hadapan mata anda?!
Bagi beberapa pelawat bertuah yang menginap di Great Bear Lodge di Port Hardy, British Columbia di Kanada, pengalaman ini merupakan satu peristiwa yang pastinya akan dikenang sampai bila-bila!
Sambil menikmati sarapan, pengunjung-pengunjung ini terkedu dan tergamam dapat menyaksikan satu kejadian yang sangat menakjubkan. Apabila mereka memerhatikan terdapat gelembung besar di permukaan air, ramai yang mula berasa teruja untuk melihat apa yang berlaku seterusnya.
Muncul beberapa ekor ikan paus gergasi di permukaan air dan ramai pengunjung mula mengeluarkan telefon masing-masing untuk merakamkan detik indah itu.
Sambil menikmati sarapan, pengunjung-pengunjung ini terkedu dan tergamam dapat menyaksikan satu kejadian yang sangat menakjubkan. Apabila mereka memerhatikan terdapat gelembung besar di permukaan air, ramai yang mula berasa teruja untuk melihat apa yang berlaku seterusnya.
Muncul beberapa ekor ikan paus gergasi di permukaan air dan ramai pengunjung mula mengeluarkan telefon masing-masing untuk merakamkan detik indah itu.
Menurut ahli cetology (kajian tentang ikan paus), tindakan ikan paus humpback yang membuat gelembung air besar itu adalah sebagai satu strategi untuk mendapatkan makanan.
“Mereka (ikan paus humpback) mengejar sekumpulan ikan ke dalam gelembung tersebut. Apabila ikan-ikan sudah berkumpul, ikan paus humpback akan mencipta buih di sekeling ikan-ikan itu yang berfungsi sebagai jaring.”
“Kemudian, ikan paus humpback akan berenang dari bawah sebelum muncul ke permukaan air dengan mulut yang terbuka luas bagi memakan sekumpulan ikan yang banyak. Ia adalah satu teknik memburu yang biasa digunakan oleh ikan paus ini.”
Sumber: Happiest, Destination British Columbia/Facebook
“Mereka (ikan paus humpback) mengejar sekumpulan ikan ke dalam gelembung tersebut. Apabila ikan-ikan sudah berkumpul, ikan paus humpback akan mencipta buih di sekeling ikan-ikan itu yang berfungsi sebagai jaring.”
“Kemudian, ikan paus humpback akan berenang dari bawah sebelum muncul ke permukaan air dengan mulut yang terbuka luas bagi memakan sekumpulan ikan yang banyak. Ia adalah satu teknik memburu yang biasa digunakan oleh ikan paus ini.”
Sumber: Happiest, Destination British Columbia/Facebook
Life insurance is a contract between the owner of the policy and the insurer. In these contracts the insurer agrees that in the event that the insured individual is to die, that they the insurer will pay out a stipulated amount of money to the beneficiary of said contract. Senior term life insurance is the same contract, only for a shorter period of time which is usually between one and twenty years.
Unlike whole life or universal life insurance, term life insurance is not considered a permanent insurance. Term insurance policies do not accumulate cash value. These policies are intended for protection in the event of death and nothing else.
Seniors, whom consider life insurance, usually prefer term insurance rather then whole life. The reason is because term life is cheaper and does not require as many doctors visits and physical exams. By not having to have medicals, there is a higher chance of being insured.
Many life insurance companies charge higher rates for seniors then they do for younger people. The reason for this is that generally a lot of health issues are perceived to be more common once you reach fifty. This is a misconception as there is little hard evidence that someone of that age is any more likely to become ill than someone five years younger.
As with any type of investment someone may make these days, there is often a lot of thought and research put in to making a final decision. By weighing the pros and cons of certain insurance contracts you can save yourself some aggravation. Not everyone is eligible for certain types of policies so you need to find out what is being offered to you and what is required of you in return.
Term life insurance is ideal for people on a set budget because it is considered to be a "pure insurance". This is because it has no cash value and only covers a payout if death occurs during its term. These terms are usually in increments of five years unless you're a senior.
Many people think that by purchasing a whole life policy that it will acquire value over years. What many people do not understand is that whole life insurances cash out values fluctuate according to the economy. This means that in today's troubled economy, cashing out an insurance policy may not be beneficial at all.
With term life insurance, you can stop the policy at any time that you want without losing any money. Seniors seem to be attracted to this because this means that they will not lose any money at all. If they decide they no longer want the coverage, they do not have to keep it. By having the option as to whether or not keeping the coverage is worth it, seniors have more freedom of choice. The feeling of such freedom actually heightens their interest, and this is borne out by the increasing the number of seniors that are covered by term life.