I know I’m someone who would procrastinate and had been telling myself to make change in my work environment. Change department or change company. I’d admit that it had been ongoing for sometime but I have not really take the one step out of my comfort zone. It is time The Lord came and give me a tight slap on my face, waking me up.

To cut the long story short, my boss asked for me to be transferred to the non-motor department immediately he was made aware of my study achievement. Maybe my salary was too high to remain in the motor department. Anyway, I’ve decided to move over maybe around next year but never thought it would be so soon. He wanted it to be tomorrow. WTF. But after justifying to him that I still have outstanding work to finish, he settled and next Monday is the day I start over there.

My wife reminded me the story that i told her of the person, a colleague who once told me that there is no point to study insurance courses as you never know you’ll stay long enough in this company let alone industry. Gosh, I didn’t even remember that and now she reminded me, I’m having the last laugh. I can proudly say.. in another word, boast, that quite a number of eyebrows were raised when I submitted my transcript to the HR.

Three out of the four “heavenly kings” were surprised but delighted of the news and the rest is history. All this years in motor loss adjusting would never go to waste. The boss, in his psycho’ing session with me this afternoon, told me that to build a better career, the next is to go non-motor. The usual shit that I already know… from what I can sum up, the gist of the whole session is that it’s uneconomical for me to remain in motor department. Well, I can say the intrinsic satisfaction in the form of recognition will go a long way even after the balance sheet hit negative.

This all may sound like a big fat boast but this is my fooking blog, so what’s your problem now?! Bagi chance lah.

This timely upward pecuniary adjustment is much welcomed as Bubu G is about to arrive and I hope to provide the best of everything I could to him.

Dear Lord, thank you for everything especially a blessed junior and all the bread that you provided for me and my wife.

The risk is usually split to stallions/bulls and mares as well as follows:

• risk for stallions/bulls relates mainly to their infertility

• in relation to mares, risk relates to pregnancy and birth issues

• animals under package policies will have risks relating to accident, injury, sickness and disease

The aim of the cover is to compensate the owner in respect of service fees lost due to the stallion/bulls infertility.

• In respect of young stallions, cover is for risk of partial servicing success being achieved (due to animal’s lower level of fertility)

• in respect of mares, cover will provide compensation for mortality during birth, barrenness and unborn foals

Extension is available for surgery costs and expenses. Short period cover for transit is also provided. These risks can apply to many other valuable animals.

Package cover will include:-

• all risks or mortality including theft, arising from accident, sickness and disease

• surgical extension is available up to a certain limit

• permanent loss of use

• vet’s fees

With an additional premium, the optional package cover will include:-

1. saddlery and tack

2. legal liability

3. personal accident

In rating the risk, the insurer will generally interested with the following information:

• age

• breed

• use

• value

• health record

• claims experience (if any)

These are also considered important as underwriting factors:

Stallions

• sire

• dam

• service season

• service fee

• service record

• no foal no fee basis

Mares

• date due to give birth

• fee paid for covering

• year animal last gave birth

• any foals aborted or stillborn

Animal above a certain value or with a poor claims history, a veterinary certificate or x-rays may be required. For racing or show animals, career winnings will be taken into account plus the activities undertaken i,e flat racer, hurdler, steeple chaser etc.

The majority of rating factor will include:

1. animal’s value

2. service fees

3. saddlery and tack value

4. personal accident benefits

5. limits of liability

6. activities undertaken by the animal

7. age of the animal

8. claims experience and animal’s health record

A number of insurers provide package policies for individual animals. Only a few insurers offer bloodstock insurance for valuable animals.

Its kinda good too as you can taichi work to other people as you don’t have camera with you. This when I decided to take good responsibility of stuff entrusted to us… in this case, the camera… I bought silica gel and camera bag…. now they put it back for everyone’s use. I now realise that we don’t need to take so much care of these cameras as they are for everyone’s use. If you take much care for it and someone else boom.. crack it… everyone’s gonna get fucked. So whats the point. You gonna get fucked anyhow. I’m not gonna give a damn to the fucking camera anymore.

I just don’t understand where these people go when they snake. With the ever sickening traffic jam, I rather be sitting comfortably in the office than having to sit in a jam out there. What they the clowns fail to understand is that we have to go out for assignments and they just sit in the office. Its easy for them to just ask people to jam all the way back to office in the heart of KL just to return the fucking camera before going home. Those of you who had driven extensively for work for quite sometime…. you know how is the feeling of sitting in the office the whole day. You’d rather want an office job and don’t need to go out driving.

Man… this is beef just because of the fucking camera.

How to find out whether your tyre has expired? Easy.

Check for this sign: ( *4706* ). There is an asterisk at the beginning and at the end of this serial number.

The first two numbers 4 7 will tell which week of the year has it been manufactured.

Note: One year has 52 weeks. The last two numbers represent the year of make.

Therefore, *4706* shows that the said tyre is manufactured in the 47th week of the year 2006.

Check all your tyres for safety purposes. Do not use expired tyres. They are likely to burst (especially when running in hot weather) because the rubber component may have hardened and cracked. Check this before you buy new tyres. Some shop had kept their stock for quite sometime.

Safeco senior claims representative Kristine Brandes, working in Safeco’s “storm room” during the aftermath of the Seattle earthquake, offered sage advice for preparedness and post-damage recovery.

At a minimum, Brandes suggests creating a photo inventory of your home to document the structure and your belongings. Start by taking overview pictures of each entire room first. Then, in each room, take pictures of individual items of significant value such as jewelry, electronic equipment, antiques, and unique items. “[Insurance claims adjusters] need good pictures of items so that when we are assessing damages and trying to evaluate what we should pay, we have a better idea of the characteristics of each item,” she explains.

Brandes also recommends keeping a record of the serial number (useful in the event of theft and recovery), year, make, model, date of purchase, purchase price, condition, and a description of the item. Be sure to keep receipts, owner’s manuals, canceled checks, and credit card receipts with the images. If you want to keep electronic records, scan the documents into your computer.

An alternative to keeping photographs is recording your belongings on video. The advantage of video is that you can walk and talk while you’re shooting. However, Brandes notes that digital still images can be sent via e-mail with a claim. “If we get a still digital photo, we can store it in the [customer's] file electronically,” she explains. “If we get an electronic video or media player file, we can’t store it in their file. So for standard, basic claims, still photos are great and they save time.”

If you have both a still and video camera, check with your agent to see what your insurance company recommends.

Photo inventory shooting tipsTaking pictures of your household belongings can be more challenging than you expect. For example, for small items, you may need a background that doesn’t compete with the details of the item you’re shooting.

Before you begin It’s a good idea to get backgrounds and equipment ready in advance. Here’s a short checklist:

• Have a dark, flexible poster board, craft paper, or dark cloth handy. Used as a backdrop, these items will help show off the detail and intricacy of small items, such as jewelry, collectibles, and silver.
• Consider using or buying small plastic display stands for small items. These inexpensive stands are available at antique and craft stores, and they come in handy for all sorts of photography projects.
• Shoot within the recommended range of your flash. For many interior pictures, you’ll need a flash. Check the camera manual for the minimum and maximum distance range of your flash, and then shoot within the recommended range. In most cases, it’s not a good idea to take a close-up picture of small items using an on-camera flash because it can obliterate the details you want to preserve. Try using a lamp or flashlight instead of the flash, or bounce the flash off a wall or ceiling. You can sometimes diffuse and reduce the intensity of the light by placing a thin cloth over the flash.
• Set the white balance on a digital camera for the type of light you’re using – incandescent, fluorescent, or flash. Or, on a film-based camera, filter for the light – appropriately.
• Set the date function on your camera before you begin shooting. If your camera doesn’t have a date function, include the date when you process the digital image in an image-editing program such as Picture It!

Taking the pictures To create an inventory, use a systematic approach and don’t overlook infrequently used items.

• Wide, overall room shot: Start by switching to wide mode, using a wide-angle lens, or using panoramic mode. You will likely need to take two or more shots to get the entire room. Remember the maximum range of your flash, and if it falls short, be sure to turn on room lights and bring in other lighting if necessary.
• Detail shots: It’s good to be systematic in taking inventory shots by working from large to small and from top to bottom. For example, after you take pictures of the overall room, move to the next smaller items such as the dining table, arm and side chairs, buffet, china cabinet, and sideboard. Take pictures of wall hangings, window coverings, and carpets. Then move to china, silverware, crystal, serving pieces, tea sets, glassware, and collectibles.
• Aperture: Use the smallest aperture possible under the lighting conditions – for instance, f/8 or f/5.6. This aperture will maintain better edge-to-edge detail. If necessary, use a tripod to steady slow shutter-speed shots. To show fine markings, switch to macro mode.
• Silver and china: Take pictures that show the pattern of your silver and china, and then turn items over to take a picture of the information imprinted on the back. If you’re shooting with a digital camera with on-camera flash, be sure to check the image in the LCD to ensure that the details are clear. If not, reposition and reshoot.
• Enclosed items and reflective surfaces: For items that reflect light, such as framed pictures, mirrors, appliances, and sculptures, move at a 30- to 45-degree angle to the item or until the reflection is diminished or gone. Instead of photographing through buffet or entertainment-center glass doors, open the doors before you shoot, or take out representative pieces and photograph them on the background paper or cloth.
• Drawers, closet doors, and cabinets: Open all drawers and doors and photograph the contents. Pull out items in the depths of cabinets, such as small appliances, pots and pans, cutlery, and serving pieces.

As you take pictures, don’t overlook outdoor and seasonal items such as the barbecue grill, patio furniture, golf clubs, bicycles, and lawn equipment. Also remember infrequently used items like tools or musical instruments.

Don’t forget to photograph your cameras, lenses, and accessories. For priceless family photos, be sure to regularly scan negatives, copy them onto CDs, and store the CDs in fireproof containers or off-site in safety-deposit boxes. The same advice applies to prints and digital images.

What’s next? After you have the preventive inventory shots, be sure to make copies. Keep one copy in a fireproof container, and keep another set offsite in a safety deposit box, or at a relative’s or friend’s house. As you buy new items or replace belongings, be sure to update your inventory and the copies you stored offsite.

Post-loss claims photosAfter damage has occurred in disasters such as an earthquake or flood, always photograph the damaged items and scene. “Take photos that tell the story of what happened,” Brandes advises. “Then write a list of the claims and attach the photos.” You can also use the pre-loss photographs for comparison and verification of the property and condition.

As an example of good post-loss photos, Brandes tells about a friend who had a 30-inch television fall screen-first to the floor during the Seattle earthquake. “She took a picture of the TV on the floor, and then she tilted it back up and took a picture of the cracked glass on the front of the TV,” Brandes recounts. “These kinds of pictures allow [claims agents] to see the extent of the damage and know that it’s something we can’t just go and get repaired.”

For catastrophic circumstances, Brandes tells people to take pictures of exterior and interior damage before cleaning things up. Include overall, wide-angle images, and shots of individual damaged items. After you take a comprehensive series of pictures, then you can clean up the mess. “We don’t expect people to live in a messy house or around broken glass until we can get out to see it,” she said. “We tell people to do what they need to do to be safe and comfortable.”

For non-catastrophic damage, Brandes recommends focusing in on the scratch or dent so the adjuster can assess how to adjust for the damage.

Final tipFrom the post-quake experiences in Safeco’s storm room, Brandes found that many people do not know the details of the insurance coverage they purchased, nor do they know the deductibles that apply to special coverage.

“We are seeing that a lot of people haven’t taken the time to read the policy, or they did not ask their agent the tough questions like what would happen if there were an earthquake – what they would be covered for,” Brandes observes. She recommends that people get familiar with the details of their insurance coverage and know what the deductibles are on all policies. Her advice: “Just know and understand the insurance you’ve purchased.”

Employment Act 1955

Section: 60E. Annual Leave

• (1) (a) 8 days for every 12 months of continuous service for period less than 2 years
• (1) (b) 12 days for every 12 months of continuous service for 2 years or more but less than 5 years
• (1) (c) 16 days for every 12 months of continuous service for a period of 5 years or more.

E.g if you have been with the same employer for 15 years, your
entitlement is 16 days paid annual leave for a year.

Section: 60F. Sick Leave

• (1) (aa) (i) Where no hospitalisation is necessary, 14 days in a year for service of less than 2 years
• (1) (aa) (ii) 18 days in a year for service of 2 years or more but less than 5 years
• (1) (aa) (iii) 22 days in a year for service of 5 years or more.

E.g. Similarly if you have been with the same employer for 15 years
you are entitled to 22 days of paid sick leave in a year.

(bb) 60 days each year if hospitalised.

Subject to maximum 60 days in a year for paid sick leave (MC + Hospitalisation).

Then when the fella came, he was wearing a white tshirt with the word “Viva” printed so big in front that i can even see without my glasses. Yeah, Viva’s promotional tshirt.

G : Whoa, skarang semua Viva… baju pun viva… (Whoa, now everything’s Viva… even t-shirts)
Bob: Ye lah, ada baju baru, ambik pakai je lah. (yeah, since they’re giving us new tshirts, why not just take it and wear.)
G: Betul jugak. Eh, tapi Viva saya rasa slack sikit la. Design dia slack sikit.(you’re right. But i think there’s something slacking in Viva especially the design)
Bob: Hmm… betul design slack sikit. (yeah, something is amiss.)
G: Sales ok?
Bob: Banyak, ramai orang datang tengok Viva… tapi last-last beli Myvi, Semua datang tengok Viva, beli Myvi. (A lot, a lot of people came to view the Viva but ended up buying Myvi)
G: Hahahhahahahahaha.
Bob: Betul ni. (I’m not kidding)

So, the decision is yours. If you plan to buy a perodua, go to the showroom and see the cars thoroughly. Myvi’s nicer.

Inmediatamente después de una pérdida de propietario de vivienda

• Protéjase a sí mismo y a otras personas. Siempre tenga cuidado antes de entrar en un edificio dañado. Si su propiedad ha sufrido daños estructurales graves, o si tiene alguna duda acerca de su seguridad, comuníquese con los funcionarios gubernamentales locales para determinar la situación de su vivienda antes de entrar.
• Notifique las líneas eléctricas tumbadas o fugas de gas a la compañía de servicios públicos.
• Mantenga la electricidad apagada si hay agua estancada dentro de la casa.
• Nunca toque componentes eléctricos mientras esté parado en agua. Si su seguridad parece estar a riesgo, salga inmediatamente del local.
• Comuníquese inmediatamente con Liberty Mutual para notificar cómo, cuándo y dónde ocurrieron los daños. Proporcione una descripción general de los daños y, de ser posible, tenga a mano su número de póliza. Anote el nombre y número de teléfono de su Administrador de Reclamaciones tan pronto tenga dicha información.

Notifique su pérdida
Si usted sufre una pérdida durante el fin de semana o durante la noche, no tiene que esperar hasta el lunes o el día siguiente para poner en acción el proceso de reclamación. Los representantes de Liberty Mutual están disponibles las 24 horas del día los 7 días de la semana, para recibir su informe de pérdida, explicar el proceso de reclamación y ayudarle a proteger su hogar contra daños adicionales.
1-800-2-CLAIMS (800-225-2467)

Proteja su propiedad
Tome medidas razonables para proteger su propiedad contra daños adicionales. Esto podrá incluir tapar las ventanas con madera, y rescatar artículos no dañados. Su Administrador de Reclamaciones podrá aconsejarle acerca de medidas específicas que podrá tomar para proteger su hogar y sus pertenencias. Si se necesitan servicios de emergencia, Liberty Mutual le ayudará con los arreglos y en como proteger su hogar.

Reparación de su hogar
Nuestro Programa de Referencias de Red de Contratistas* (CNRP) es una red de vendedores aprobados establecida por Liberty Mutual para proporcionar a nuestros clientes una selección de contratistas competentes y confiables para realizar las reparaciones de construcción relacionadas con una pérdida asegurada.

Usted no tiene ninguna obligación de usar estos servicios. Si los usa, Liberty Mutual garantizará el trabajo realizado por el CNRP durante un año. Sujeto a las estipulaciones de la póliza, el único costo para usted será su deducible y cualquier depreciación no recuperable.
*Posiblemente no esté disponible en todos los lugares.

Prepare una lista de artículos dañados o perdidos

• Guarde los artículos dañados hasta que su Administrador de Reclamaciones haya visitado su hogar, y considere la posibilidad de tomar fotografías o grabar un video de los daños para documentación adicional.
• Prepare una lista de los artículos dañados o perdidos y proporcione recibos para dichos artículos, de ser posible.

Si necesita mudarse, guarde sus recibos

• Si su hogar representa un peligro, o los daños son tan extensos que no puede vivir en su hogar, guarde registros de todos los gastos adicionales incurridos. Su Administrador de Reclamaciones podrá ayudarle si es necesario a localizar una vivienda temporal, y aconsejarle con respecto a su cobertura de gastos de vivienda adicionales en su póliza.
• Si no puede vivir en su hogar o necesita comprar ropa u otras necesidades inmediatamente, su Administrador de Reclamaciones podrá ofrecerle un anticipo contra el importe de la liquidación total de su reclamación.

Complete y devuelva sus formularios de reclamación

• Una vez que haya notificado su reclamación, su Administrador de Reclamaciones le enviará información importante para ayudarle, junto con los formularios de reclamación que usted tendrá que completar y devolver dentro de cierto número de días.
• Lea la información cuidadosamente y comuníquese con su Administrador de Reclamaciones tan pronto como sea posible si tiene alguna pregunta o necesita información adicional.
• Llene y devuelva los formularios de reclamación tan pronto como sea posible.

Cómo se pagará su reclamación

• Cualquier anticipo se aplicará contra el importe de la liquidación total. En la medida en que se llegue a un acuerdo con respecto a la propiedad dañada, se podrán emitir cheques adicionales.
• Su deducible, así como cualquier depreciación que se aplique, se deducirá del costo total de su pérdida hasta el límite de su póliza.
• Si tiene una hipoteca sobre su vivienda, el cheque para las reparaciones a la vivienda se emitirá a nombre de usted y el prestamista hipotecario. En estos casos, el prestamista hipotecario tendrá que endosar el cheque. Su prestamista hipotecario podrá depositar el dinero en una cuenta de plica y pagar las reparaciones a medida que se complete el trabajo.
• Cerciórese de comunicarse con su prestamista hipotecario para notificarle de su pérdida y analizar la oferta del contratista y otros detalles tan pronto como sea posible después de que ocurra la pérdida. Es posible que su prestamista hipotecario desee inspeccionar el trabajo terminado antes de efectuar el pago final al contratista.

Suddenly a big burst of aircon gas leaked and the boss and I were all wet. Damn. It was like someone held a fire extinguisher and unload the whole tank straight at you. My face, my hands and my shirt were all wet. The surrounding turned foggy. My mouth turned bitter.  Hands became oily. Quickly rinsed it. Luckily, nothing happen to me.
Next time, if i ask someone to dismantle the condenser, I will stand farther.