MY LOVELY CUPCAKES

Lovely heart cupcakes

I love cupcake very much. Cupcake preparations and requirements are vary by event. Cupcake is my favorites 'junk food'..hehehe.. I may prefer to eat cupcake than the junk food that is not healthy.

 As I know, cupcake is very simple to made. The design of the cupcake is depends on the creativity of the people. We can put buttercream, chocolate and other cream as a topping for cupcake.

Before working at the bakery shop, I only know a very easy step to make cupcake. My sister is a very creative woman. She learned how to made cupcake from Internet and books and then tought me how to make cupcake.

Experience working in NAFAHOME BAKERY over 4 months is very significant and meaningful.  

I can learn many ways to make better and good cupcake 

and toppings. Cupcakes are a part of  my happy and joyful life. 

I LOVE CUPCAKES VERY MUCH....!!!!!

This cupcake's design is very simple...i love it..

I love the design of this cupcakes..very creative..

ABOUT INSURANCE

In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.

Types of insurance :

#Auto insurance 
#Home insurance 

#Health insurance 

#Accident, sickness and unemployment insurance 

#Casualty 

#Life 

#Property 

#Liability

#Credit 

#Insurance financing vehicles 

#Closed community self-insurance

Insurance companies may be classified into two groups : 

#Life insurance companies : which sell life insurance, annuities and pensions products.

#Non-life : property/casualty insurance companies, which sell other types of insurance.

http://en.wikipedia.org/wiki/Insurance_policy

CORPORATE SOCIAL RESPONSIBILITY

The MNRB Group is conscious of  its commitment to all stakeholders and endeavors to operate ethically, financially and in a socially responsible manner. They shall pursue opportunities whilst taking into consideration their social obligations. They view CSR as an investment in a strategic asset in the longterm and strive for a balanced approach. The Group is committed to giving back to society and at the same time achieving their business objectives.

The Group has formulated a CSR Policy that is aligned to their business objectives and expectations of all stakeholders in particular, employees, customers, investors and community. Their CSR programs would be evolved and developed with the active participation of their employees who believe in such a philosophy.

The Group CSR activities focus on three core areas namely the Workplace, Marketplace and Community & Environment, with the focal point being human capital development. For each of these core areas the Group shall adopt a set of principles as a guide towards achieving their CSR objectives.

Marketplace :

    * They shall ensure that their business is conducted according to the highest ethical, professional and legal standards.

    * They shall strive to achieve their business goals and objectives and meet the expectations of their stakeholders through good Corporate Governance.

    * They shall strive to meet their customers’ needs with outstanding service quality and integrity.

    * They shall strive to maintain their service quality in accordance to the ISO quality standards that they have established.

    * They shall endeavor to support the aspirations of the Government, Regulator and the local insurance / takaful industry associations.

#sources : www.mnrb.com.my

STRENGTH IN DIVERSITY

MNRB HOLDINGS BERHAD (MNRB), is an investment holding company listed on the Main Market of Bursa Malaysia Securities Berhad (Bursa Securities). Its wholly-owned subsidiaries are Malaysian Reinsurance Berhad (Malaysian Re), a general reinsurance company, Takaful IKHLAS Sdn. Bhd. (Takaful IKHLAS), an Islamic insurance provider, MNRB Retakaful Berhad (MRT), a general and family retakaful operator and Malaysian Re (Dubai) Ltd. (MRDL), a company incorporated in Dubai, UAE, to underwrite the reinsurance business for Malaysian Re and to service Malaysian Re’s business partners in the Middle East and North African (MENA) regions. Another subsidiary company is MMIP Services Sdn. Bhd. (MSSB), the manager of the Malaysian Motor Insurance Pool (MMIP), a pool established by the local insurance industry to provide insurance coverage for vehicle owners who have difficulty in obtaining motor insurance coverage.

In addition, Motordata Research Consortium Sdn. Bhd. (MRC), a company that manages database for standard motor parts, prices and repairs, is an associate company of MNRB whilst Labuan Reinsurance (L) Ltd. (Labuan Re), an offshore reinsurance company incorporated in the Labuan International Offshore Financial Centre (IOFC), is an associate company of Malaysian Re.

Backed by a wealth of experience and knowledge in the reinsurance, takaful and retakaful businesses, sound financial position and the strong support from its substantial shareholders, namely, Permodalan Nasional Berhad (PNB) and the various unit trust schemes of PNB, the MNRB Group will continue to grow as a renowned corporation, both locally and internationally.

#sources : www.mnrb.com.my

Being A Real Muslim

I am Muslim.That means that I practice the religion of  Islam. Muslims live in many different countries and cultures. The word Islam means "submission to God." Being a Muslim means follow a way of life every day in order to please God. I have to pray five times a day. Nothing can be compared to Allah. Allah is different from all things. Nothing is like Allah. I believe that Allah knows all things, can do all things, and has always existed. Everything exists because Allah wills.

 I believe that a man named Muhammad was one of Allah's prophets. Muslims call him the Great Prophet and the Chosen Messenger. The book about how Allah wants us to live our lives was revealed to Muhammad in Arabic. This book is called the Qu'ran. It was written in Arabic. Muhammad taught us that there is only one Allah. Whenever we say the name of Prophet Muhammad, we also say "Peace be upon him".

MY FAVOURITE MARTIAL ART

I love Kung Fu. I can do it, but I am always amazed when I see especially Jackie Chan and Jet Li (film stars) doing that Kung Fu. Actually, Kung Fu has another name - Wushu. I didn't know that fact until I did a bit or research on Wikipedia. The Wushu exponents require tremendous amount of practice to do stunts that laymen like you and I might label it as 'camera tricks'. The exponents, men and women could do backflips, flying kicks and balance theirselves pretty amazingly. Kung Fu is just more than easy name that suits Hollywood I guess. Next time you all better see Kung Fu moves on Youtube. It is real, not a 'camera tricks'..Believe me..!!!

BEAST - 'Beautiful' OFFICIAL M/V