Find Risk Transformation Approach For Business Management

Crucible Risk Consulting can help develop an operational model to fulfill regulatory directives for the management involving banking, financial risk, and ensuring investment capital adequacy inside banks and satisfy the set expectations for credit, market, liquidity, operational risk as mandated inside the Basel II and also III accords. We can enhance or make a robust risk infrastructure and also the management information capability to enable submission with greater potential for superior decision producing and ease the execution of risk measurement and also management.

High returns on investment could be a reward regarding high risk, but choosing a high risk may well not always result in higher returns and worst still results in a financial disaster. Each time, a business overlooks this specific fundamental tip of organization, and then it is likely to face extreme ramifications. Companies tend to forget the particular difference between choosing a blind risk along with a calculated risk.

The process of creating any talent management strategy has become instrumental in transferring leaders’ mindsets to determine their people as a competitive advantage. Leaders used systems thinking to name who was essential to keep existing business and drive home based business. This created discussions forcing executives to operate through differences associated with an opinion regarding your value and contribution.

Several global businesses today include achieving impressive efficiencies and also savings through various techniques. But it is no longer enough. Organizations that would like to reach the next level throughout performance will need to challenge on their own to fundamentally transform the procurement perform.

Each of our business transformation consultant comments within the importance of being confident that your desired significant change is applicable and appropriate I will be your business strategy “fit-for-purpose” in addition to correctly aligned with what is happening in at the particular operational level? Maybe in order to attain your strategic objectives you’ll want to merge with and/or attain another company or maybe organic growth is what’s needed.

A top-notch and well-defined vision encompasses a sense of urgency to overcome any complacency that could be exhibited by stakeholders. It clarifies the typical direction for a big difference. It also motivates and motivates visitors to act in the proper direction and facilitates align employees actions while using organization’s strategic aims. For maximum effectiveness, the vision should be clear, focused and easy to communicate.

A successful transformational leader could have certain qualities to guide and influence others to create fundamental, not only towards the external world, but also to internal procedures.

Advertising For Your Mmorpg Guild

Guild recruiters cannot be shy. Post in recruiting forums, erect a guild Web site, use in game recruiting tools, such as those in EQ2, these activities all promote your guild and you probably should avail yourself of them. However the fastest, cheapest, easiest most effective way to get new members for your guild is to simply ask in a general chat channel.

Before You Hit the Chat Channels You Need to Know…

…what benefit people will receive by joining your guild and at what cost? Do you provide help with grouping? Do you help people level? Are you a PvP guild? If so what kind of PvP guild? If you provide groups for members is joining guild groups required? If you help people level, is helping other members required? If you are an MMORPG PvP guild, does this mean you don’t do content or that you do organized battlegrounds?

Once you know the major benefit of joining your guild, create your message around that. Know the cost however, because you’ll need new members to understand that if you want to retain themmore about that in my next article for PlayerVox.

To construct your message take the big focus on your major benefit and combine it with one of two possible actions you want the interested party to take:

1. PST for membership info. Contact you immediately in (PST for Please Send Tell is fairly universal).

Be prepared to answer questions and potentially talk to multiple people at the same time. I like to either use a text file to cut and paste common answers, or setup macros when available.

2. URL. Save yourself a lot of typing by sending people to a special recruiting page setup in advance. Lazy people won’t take the time to go look however, so if you are zerg recruiting, don’t use this method. Using a Web page is ideal if there is a lot of information for potential members to consider.

* Present your guild as active and up-to-date. Do NOT send potentials to your inactive guild forums or glommed together site for info. Instead create a special page just for potential new recruits.

* Get the easiest URL possible. Example: “” is the domain name I use for the Section One guild.

* Always use the http:// so that people understand it is a web site you want them to look at.

Recruiting Message Samples

Helper PvE guild:

Learn the ropes and level fast with XYZ guild. PST for membership info.

Guild with funny people:

Laugh your way to level 50 with XYZ guild. Casual players welcome. PST for membership info.

Guild with serious PvErs:

XYZ guild seeks pro-PvE members. Do dungeons right with us. Ventrilo required. PST for membership info.

End game looters:

The PvE veterans of XYZ raid guild LFM for teamwork and achieving long term goals.

Adult social guild:

Like to play and chat? Join the lively world of XYZ guild on Ventrilo. Not kid friendly.

Crafting guild:

Attention crafters: Join with other crafters in XYZ guild to build an economic powerhouse and rule the server. PST for more info.

Player-killing guild:

Join for the Rep. Stay for the people who’d rather fight than switch. RPK all the way. PST for membership info.

Advertise, but don’t spam

Some old fashioned net-etiquette should be employed while advertising in chat channels:

* Use appropriate channels. Find out what channels are acceptable for guild recruiting. It’s different in every game. For instance, in Guild Wars, one uses the all channel. In some MMORPGs the regional chat channels are acceptable. Some games have special recruiting channels.

* Keep it short and sweet. Don’t attempt to explain every membership detail in your message. Things scroll away fast and people don’t have time to deal with long textheck, they don’t even read quest descriptions most of the time! More on this later.

* Don’t spam. The reason you repeat your message is to give busy people another chance to read it as well present yourself to new people who haven’t seen it. It is not to bore and aggravate people with your endless droning of e-garbage.

o How often you repeat your message is game dependent. In games like WoW, EQ2 and Vanguard, the number of new people coming into and going out of a channel is small, so repeat sparingly. Observe how frequently others repeat and repeat less than they do. If you get complaints, reduce your frequency even more. Being perceived as spam will get you on people’s ignore-list.

o In Guild Wars where people hop in and out of districts constantly, your best bet is to move around from place to place, repeat your message once per district then move on, repeating your cycle every five minutes or so.

* Change it up. Vary your message from time to time, test new messages, be clever, entertain. Boring messages equates to a boring guild.

Advertise eloquently…

…or at least avoid looking stupid:


* Do not load up your message with **l337** symbols and other #$%^& crap. Your potential recruits don’t have time or desire to decipher, so just use plain English.

* Stay away from over-used terms so ubiquitous that they are now meaningless. Ever seen anyone advertising for unfriendly, immature and inactive members? Almost all guilds are friendly, mature and active, so don’t use up precious space talking about it.

* Use goood speeling. You may not care about every day chat spelling and grammar, but nothing makes you look more like a stupid n00b than spamming the same error over and over. Check it first then store it in a macro or text file.

People want to join guilds that are active. They like to be able to login and find things are happening. One of the best things to do recruiting-wise is put together PUGs, then pitch guild membership to the better players.

You can take this idea a step further by organizing server events and advertising them in spam. Depending on how much creativity the game supports you can do a lot. Character weddings, PvP king of the hill events, PvP tournaments, PvE and PvP raids, crafting fairs, scavenger hunts, races and costume contests are all popular.

Worst Guild Recruiting Spam Ever

XYZ GUILD RECUTING friendly active players. All levels, races, classses and ages. Mature PvE and PvP. Have hall and cape. –

This is a pretty typical zerg guild spamhard to read, packed full of errors and easy to ignore. It attempts to attract people by sounding friendly, but undermines itself by trying to be all things to all peoplewhich equates to nothing for nobody. If you want to offer zillions of players a temporary spot in your revolving door clan, use this ad. (The have hall and cape is a Guild Wars thing. Since every guild has those, it amazes me that people even mention it. If they advertised a guild hall with all perks or silver cape that would be different.)

XYZ guild looking for members. 50 gold paid on joining.

Why not just say, attention leeches, come get 50gp then leave me for another guild If you are this desperate for members, consider calling it quits and joining an established guild.

UberAwesome guild looking for members. Raiding right now, come get your endgame loot!

This ad isn’t much better than the previous one. It’s just another opportunity for people to leech off your generosity. Inviting people to join your raids is a good way to impress people, but it’s best to keep those opportunities and your recruiting separate.


Don’t be shy! Speak up and use chat to let people know that you’re out there. Be wise with your messages, don’t abuse it, and you’ll be rewarded with plenty of interest.

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Why Mobile Advertising Practices Are Increasingly Implemented

Mobile Advertising practices are increasingly adopted and implemented by emerging as well as established brand owners. SMS Advertising is becoming one of the latest trends of brand promotion for brand owners and advertisers. Affordable and targeted in nature, Mobile SMS Advertising is one of the easiest means of conveying the brand message to target customers. In this article, let us take a look at some reasons why mobile advertising practices are increasingly adopted by brand owners-

Tremendous increase in number of mobile phones- Today, almost everyone has a mobile handset. There are also various individuals who possess more than one handset. The craze for mobile phones as a portable communication device keeps increasing day by day. Brand owners avail of this opportunity by utilising the same mobile phones as advertising mediums for lakhs of customers. Also an affordable practice of brand promotion, advertising through mobile phone effectively communicates the brand message to those targeted customers who can benefit themselves from the brand messages.

Secondly, the launches of smart phones and embedded applications with various mobile phone devices have enhanced the craze of modern customers. A mobile phone is not just a communication device in todays world. Music, games, camera, internet and various applications are some embedded features of modern mobile handsets. Advertisers ensure that their brand messages reach those customers who continuously get themselves attached with their handsets (as their extensions). At one point of time, these customers will go through the brand message. If interested, they will consider of buying the product, if otherwise, a delete button helps them get rid of the unwanted message in their inboxes. The advertiser should hence provide an interesting brand message through the mobile SMS advertising campaigns. The brand message should be influencing enough to motivate those customers who read it through their own handsets. Brand advertising requires some tricks and tactics. Advertisers should therefore keep themselves updated about which trend and tactic of brand promotion can be used to influence customers buying behaviour.

Marketers have opined that mobile advertising provides more ad spaces for CPA Publishers. This again attracts the attention of those publishers who are keen to partner with mobile advertisers for various promotion campaigns. The advertisers also avail of various benefits by partnering with the publishers.

Last but not the least; mobile advertising is considered one of the bespoken modes of communication for various brands. Brand messages through mobile media reach customers right in their palms or pockets thereby providing easy accessibility to the brand ad. Considering all the above mentioned factors, mobile advertising practices are increasingly implemented by various brand owners/advertisers.

Buying a Condo as an Investment Property – Advantages and Disadvantages

If you’re like most people, you want your financial future to be better than your present, or at least not worse. So, you set money aside and think of ways to make it grow. The options seem endless, but you’ve selected real estate as your investment arena, and you’re considering condos.

Condos have several advantages over single family houses or 2-4 unit buildings. And several disadvantages. In my conversations with people who’ve invested in condos, few were aware of all of them. So here they are. (The people I mentioned were interested in condos for sale in Chicago and the surrounding area but I’m betting their typical of new investors everywhere.

The advantages and disadvantages I’m going to talk about apply whether you’re looking at Chicago condos for sale, New York condos for sale, or Sioux Falls condos for sale, assuming you’re looking to buy them as investment vehicles.

Advantages of buying a condo as an investment property


Maintenance needs to be done on all properties. Condos, especially condos that are professionally managed, offer some relief to condo investors.

You don’t have to worry about roof, stairs, landscaping and such. The association takes care of them. For a price, it’s true, but you don’t have to do them.

Some of the problems inside the unit can also be taken care of by the complex maintenance crew. That varies from condo association to condo association. And they charge you for it, but you don’t have to drop everything else and run to your condo because the sink’s leaking.


Some condos are very expensive. However, houses of similar size in the same neighborhood cost more. So, you can buy an investment property in a better neighborhood. Also, in most areas, there’s no such thing as a 1-bedroom house, but there are 1-bedroom, or even no bedroom, condo units. And, usually, there are people willing to rent them.


Amenities vary from condo association to condo association. But it’s possible to invest in a condo located in a complex that has swimming pool, 24-hour security, and such things.

The disadvantages of buying a condo as an investment


You have to follow rules that are not yours. Each association has its own rules. And the rules can change. One of the rules that can change is whether tenants are permitted or not. If you own a condo and the association votes no more tenants, when your lease is up, you either move in or sell. Your association might decide to go with the ‘no more tenants’ rule at a time when selling is not a great option.

Or, worse, they decide to allow too many rentals. Too many tenants can make getting a mortgage difficult (FHA and others do not like condo associations where more than 10% of the units are rented.) which makes reselling your investment difficult, not to mention refinancing it.

Shared decision making

Yes, you could make sure you have something to say about decisions and get yourself elected on the board of directors; still, you are not the only decision maker.

Association fees

You have to pay the same amount whether your unit is rented or vacant. In other words, you get to pay the same amount whether you use or not the services (for instance, the water bill portion of your assessment).

Special assessments

When you bought your condo unit, there were no special assessments and none were being considered. Six months later, the association decides it’s time for a new face and there’s not enough money in the reserves. They decide to go ahead with the face lift and pay it with special assessments. Your share is going to be twice your profits for the next 20 months. Can happen.

Yes, things can go wrong with a single family investment or an apartment building investment. But there you have more control. Because there you can have a home inspector inspect the whole structure. Because there there’s no board of director’s member whose boyfriend owns a construction company that could use a few thousand dollars.

So, overall, buying a condo as an investment is not the way to go. That is, if you can afford a single family house. A single family house is not the best way to go if you can afford a 2-unit building. A 2-unit building is not the best way to go if you can afford a 3-unit building and so on. Because of 2 reasons: when a condo is vacant (or a single family house) the whole income source is gone but the expenses are still there.

In any case, if you’re buying a condo as an investment property, you should know what you’re getting into.