Sejak dari dahulu lagi, kami sangat mencemburui kebolehan yang dimiliki oleh para pelukis. Mereka dianugerahkan dengan ‘tangan’ yang terbaik! Beri apa sahaja jenis kanvas kepada mereka, semuanya boleh ditukar menjadi sebuah karya seni yang mengagumkan.
Misalnya, dalam video pendek dalam entri ini, anda akan melihat bagaimana seorang pelukis menghasilkan lukisan haiwan yang kelihatan sangat asli, yang mana ianya langsung tidak kelihatan seperti sebuah lukisan. Pelukis yang berasal dari Singapura yang menggunakan nama Ivan Hoo Art dalam semua media sosialnya ini sememangnya boleh membuatkan kita teruja melihat karya seninya!
Kami terpana melihatnya! Ia terlalu hebat! Bermula dengan melukis ‘bingkai’ objek, kemudiannya pelukis akan mewarnakan objek berkenaan dan akhir sekali menambahkan tekstur pada lukisan berkenaan dengan pensel warna bagi menambahkan keaslian pada objek yang dilukis.
Kami terpana melihatnya! Ia terlalu hebat! Bermula dengan melukis ‘bingkai’ objek, kemudiannya pelukis akan mewarnakan objek berkenaan dan akhir sekali menambahkan tekstur pada lukisan berkenaan dengan pensel warna bagi menambahkan keaslian pada objek yang dilukis.
Semua langkah yang dilakukan adalah sangat mengagumkan!
Hyperrealism adalah genre lukisan dan arca yang menyerupai fotografi. Lukisan jenis ini mampu menjadikan sesbuah lukisan kelihatan mirip objek yang asli.
Pelukis dalam video ini menghasilkan beberapa objek lukisan antaranya, kucing, anjing dan juga arnab.
Sumber : erabaru.com
Hyperrealism adalah genre lukisan dan arca yang menyerupai fotografi. Lukisan jenis ini mampu menjadikan sesbuah lukisan kelihatan mirip objek yang asli.
Pelukis dalam video ini menghasilkan beberapa objek lukisan antaranya, kucing, anjing dan juga arnab.
Sumber : erabaru.com
3 Important Aspects to Know About Life Insurance in Canada
WHAT TO ASK BEFORE BUYING LIFE INSURANCE
Life protection is an extremely important part of financial planning, but not many people want to talk about it. To make this topic more accessible, we are laying out the statistical facts and other useful pieces of information to inform Canadians about life insurance. After discussions with consumers, we have identified the main questions and concerns of Canadians:
• What amount of life insurance should I choose?
• How much insurance protection do I need if I have children?
• What kind of life policy do I need?
TOPIC 1: HOW MUCH LIFE INSURANCE SHOULD I CHOOSE?
If you get Life Insurance, you want make sure that all essential financial aspects are covered so they do not become a burden for your family. These aspects can include:
• Income substitution for your family
• Taking care of your children's education (e.g. university or college costs)
• Paying down assets (e.g. mortgage on your house, car loan)
• Dealing with outstanding financial debt (e.g. lines of credit, credit card debt)
• Other costs (e.g. funeral)
So, how much life protection coverage do Canadians choose? Our analysis shows that most approx. 60% Canadians choose life insurance under $250k:
Coverage Amounts chosen by Canadians:
- Less than $100,000: 30%
- $100,000-$250,000: 31%
- $250,000-$500,000: 20%
- $500,000-$1,000,000: 10%
- $1,000,000-$2,000,000: 7%
- Over $2,000,000: 2%
We recommend speaking with a knowledgeable insurance broker or insurance representative before making this big decision. There might be other potential financial responsibilities that you have not calculated. If you have children, the costs can be much higher than you think - just take a look at the next section.
A separate word on Mortgage Life Insurance: In most cases having separate mortgage insurance is not recommended. Having enough life and disability insurance can encompass a mortgage, avoiding policies overlaps.
TOPIC 2: I HAVE CHILDREN - HOW MUCH COVERAGE DO I NEED?
If you have kids, there are several areas that you need to calculate into your financial planning (based on analysis from Money Sense):
• Food
• Clothes
• Health Care (e.g. dental services, braces)
• Personal Care (everything from diapers to deodorant)
• School and recreation (school supplies, sports, activities etc.)
• Transportation (E.g. public transit or minivan)
• Housing (E.g. larger house with more bedrooms, furniture, additional utilities etc.)
• Child Care (e.g. nanny, daycare, babysitters)
Overall costs add up to $243,660 as the total cost of raising a child to the age 18. This means $1,070 per month over the course of 19 years. You should consider that this number does not include any post-secondary education costs. Having several children will obviously increase this amount correspondingly. Have you calculated these numbers into your future coverage?
TOPIC 3: WHAT TYPE OF INSURANCE DO I NEED?
There are several types of life insurance - here is brief overview of different insurance types:
Term Life: Life protection that will expire at the end of a set term (e.g. after 5, 10, 20 years) and which does not accumulate any value. It is a pure insurance product: simple and easy to understand.
Universal Life: A combination of life protection and an investment component. A portion of your premiums go into your account, increasing your net worth. You can choose how the investment component is invested. Universal Life typically comes at a higher cost than a Term Policy.
Whole Life: One of the most complex life products. Like Universal Life, a Whole Life policy also has both insurance and investment components. However, they typically offer less flexibility (e.g. the insurer decides how the investment component is invested). This product is also more expensive than Term Life insurance.
While each type of life insurance has its pros and its cons, we believe, the best choice for most people is very often Term Life insurance. It's the simplest product to understand, it's the cheapest protection you will get, and it fully fulfills its purpose - to protect.
One of the fans of simple Term Life is Suze Orman, one of the leading personal finance gurus in the U.S.A.
According to our analysis, Term Life is the most popular protection type in Canada. Nearly 45% of our users, who have Life insurance, report that they have purchased Term Life.