Risk Based Rating System..for Better or Worse??

Disebabkan amy mmg passion on Risk & Insurance..amy terpanggil tok comment on this new issue pertaining to adoption on Risk Based Rating System for Motor Insurance...

Its sounds more on profitable for Insurer right?? Tapi,pe rasional nye system ni??
Bagi amy premium based on the risk characteristics like age,gender, driving record,vehicle make and model as well as location to determined the cot of insurance ni mmg bagus coz tengok la attitude rakyat MALAYSIA tentang kesedaran jalan raya...

Baik yg naik kete,bas,lori atau pun trailer...
Dah tak pikir ape da kalo nak pecut...

Amy terpukau dengan artikel dr ISM ni, yang kate kalau risk based system ni dilaksanakan, syarikat bus express akan lebih berhati-hati dan take precaution actions on holistic risk management as they will incurred higher cost of premium due to its claim history...For instance, In US and UK those bus company that inactively practiced on their safety will then have to CLOSE down in lieu of the higher cost that they have to incurred. Then, when this system implemented I do believe that the bus companies will more aware on their safety measurement especially during festive season as they started to outweigh cost and benefit pertaining to that.

Then again,amy nak comment sket yang ISM should play more active roles in modernize the motor insurance system since that it has actually obsoleted. These body together with Insurance companies,practitioners and also academician( like ME,Sooonnnn) should collaborate in making motor insurance as part of key supporting role in achieving nations objectives in the area of road safety and as well as automobile sector development

Men,Are U smarter??

Men, Are U smarter enough???

hehehee amy br baca one artikel dr NST written bt Richard Lynn,Life & Times page 8
best gak bile baca....
artikel ni stated that " one of the main reasons why there are fewer female science professors or CEO or Cabinet Ministers that on average, men are more INTELLIGENT than women.."

On part of growth, after aged 16 years old,boys' IQ will starting to inch ahead. By the aged of 21 years old, men on average score five IQ points higher than women...hmmm

Men also become more mature due to the fact that they are HUNTER..They faced complex,life-threatening problems that needed to be solved daily basis...

Physically,Men's brain are bigger than women even after adjustment of body sizes..huhhuuuu
They are in fact more motivated and competitive for success due to its high level of testosterone..


Then I viewed Donald Trump' blog on this matter, he does'nt believe in any research on IQ gender differences as he often met with brilliant Women who very smart in taking chances in their life. He also said that gender has nothing to do with wealth creation...Personally I agree on that as nowadays with modern perception on this matter, women are going to be equal in their life capabilities...

Go,Women....even we are less intelligent than Men...we are still ahead on some part of life...thats why Allah has created Men to lead the Women...Men are not to be strong enough without any support from Women..:)

Memori.....Slengz

SLENGZZZ


This post I like to dedicate to my Slengz...Islami,Farhana,Shahidah ,Solehah dan Pekjah

As time goes by..it has been 7 years after we left SAMBEST, tp friendship kite tetap utuh..walaupon dulu yes,kite mmg kene kutuk sebab 'Ponteng' macam2 tomahan dr ustaz zaki tyme tu..disokong oleh macam2 cerita dr budak Laki n some "girls" yg x senang duduk ngn kenakalan kitorg...well, pe nk bwat...kalo da nakal tu,wat je la ape je denda..kitorg tetap cmtu gak...kelakar bile ingat2 balik...tp serious berbekalkan hanya 8B je tok SPM( Sampai ade org suruh aku kawin pas SPM!! Not to mention, HE WILL BE MARRIED this End of May) hmmmm aku gerakkan kaki ni tok ubah segala segi persepsi negative dr smua org..lagi2 cikgu2 sambest dulu yg hanya pandang aku sebelah mata...tp syes,SLENGZ gak yg melekat kt hati aku ni..walau aku kt swk,sole kt ukraine, paan kt bangi, jah n is kt KL je n knot wat medic kt perak...hati kitorg SATU..

We well keep this friendship until forever..

Bersempena Our Cute Pekjah Wedding this 19th June...
Harap sgt..Pekjah leh tempuh alam perkhawinan dgn matang...
Sharing life with her Nabil will makes her more mature...
Persoalan seterusnye....
Siapakah yang bakal menyusul??? Jenjengjeng....hehehhee
Aku ke?? hehehhe Ke, Sole yang jauhh disana....huhuhuhu

ReSpOnSIbLE............

RespOnsIbLE????

start semalam...maid blk indon...
well.mmg penat la kemas umah semua
td lak baru dapat tau yg angah dapat keje JUN
huhuhuhuhu
lagi laaaaa....
adoiiii....

rESPONSIBLE?? Hahahah
manusia xleh lari dari ini....
tp stakat mane kite leh puaskan hati smua org???
itu terpulang kat diri kite...
pikir-pikir kan....;)

Welcome....

assalamualaikum....hye...
may be amy ni a newcomer tok blog ni...
quite nervous anyway but for sure I'll try my best to keep this blog as interesting as i could
salam perkenalan bg yang tak kenal
for those who know me...
thanks for supporting ME
i will share lots of story...
from all aspects, sharing ideas,knowledge...
n I'll welcome all of you...