Don't you Trust Me?

You should stop for awhile you will find me standing by
Over here at the side of your life
Spent all your hours just rushing around
Do you have a little time to have a little time for me?

As soon as I leave the house you want to call me

See you got me trapped I'm going crazy this is slavery
You act like it's outrageous give me space or it won't get better
And maybe we will argue and be through with all these sorry letters

Soon as I come home it's like I get the third degree
Where you been and who you with I get no room to breathe It makes me wanna leave
I'm sick of these tricks up your sleeve

Your suspicious I deceive give me grief without belief…… but to me
If you really trust me then it's pitiful
Question me about my whereabouts that's so trivial
Let me live my life and you can live yours
Just be there to help me and support that's what your here for
Not to give me stress and add to pressure
Home is where I go rest now I go to pass the test
I'm sorry if I left you all alone
But I couldn't make it home so we argue on the phone
Don't you trust me?

Calling up my house then hanging up You think that makes sense?
Tell me what it takes for us to shake so we can be friends

It's time for us to take our separate paths
We had a lot of laughs but the good things come to pass

Let's make it an even break don't make it scandalous
Try and be mature I'm pretty sure that we can handle this

Your sayin I'm too busy I ignore you
I guess you didn't hear me when I said that I cared for you

But now it seems the arguments are nightly
I wanna hold you tightly but instead you wanna fight me
So why let it stress and aggravate me
Instead I'd rather break & hope you don't hate me

You tell me that you love me but your lying
Fightin back the urge to start crying

I wipe away your tears come and hug me
I love you like you love me
Girl...but don't you trust me?

I hangup the phone
I can't bare to hear you yellin' at me
Maybe we should end it since neither one of us are happy

You know that I'm emotional so you milk me
Comin' over crying just to get me feelin' guilty

You and me were meant to be and yet
You always wanna sweat how much closer can we get girl don't fret

Just set me back my things and I'll be out
This time I'm breaking out, you let your mouth overcrowd me

I can't take the beefin' and the grieving
I get no room to sleep I hope it ceases cause I'm leaving

Maybe next time you'll be a little more sure
And I can hear you more when you mature
But baby until then I gotta leave ya
It's not that I don't need ya but see ya
And I hope that you understand why I bust it
Not because we rushed it
But girl don't you trust me.


Not that I don't trust you
Don't you trust me?

Not that I don't trust you
Don't you trust me?

Not that I don't trust you

Tupac amaru Shakur Ft Dido

The role of risk management in handling risks

The Role Of Risk Management In Producing An Effective Method Of Handling Risks In Any Organization.

By Ian Thuo.

Risk is a part of every day life, it is at the heart of free market societies, since it creates a

chance for profits to be made. As such it can be defined as the combination of an event

and it's consequences. Inverse to this is that risks can also have a down side to them,

and may destroy the very enterprises that they help create.

It is for this pivotal reason that it is necessary for firms to seriously have procedures

to adequately respond to the risks that they face. The two major categories of risks

poised to an organization are;

Speculative risks- Where a specific value of capital is knowingly put at risk in the hope

 that a profit may be derived from it. E.g. pricing decisions or marketing strategies.

Operational risks- where something unforeseen and unpleasant happens to the organization

 or it's responsibility. E.g. loss of client information after a computer hitch.

The structured process of responding to risk is known as risk management, and is implementable to all types of firms, from service providers such as HMOs' to industrial equipment production firms.

The risk management process

The process follows a rather similar approach, where we begin first identifying risks

that affects the earning capacity of the firm. E.g. is there a risk that contracted health providers will fail to maintain desired level of service? Can the regulators fail to renew our operational licenses? Can client information leak out of the organisation to unauthorized third parties?

This process of risk identification can be done in various ways using various tools available

to the risk manager.

The identified risks will then need to be assesed and analysed, using methodologies such as; dependency models, and hazard indices.

Such analysis can either be qualitative or quantitative in nature. Depending on what kind of risks we are measuring and the background knowledge of the user of this information. Qualitative analysis is generally subjective in nature and is used by business managers without statistical background, whereas quantitative analysis is statistical in nature and used by the actuaries and the likes.

Having analyzed the risks affecting our organisation it is necessary for the risk manager to prioritise this in relation to the risk appetite of the organisation; that is at what point is the risk a problem to the organization, this is based on the corporate philosophy and the type of risk.

Prioritization of risk is also dependant on statutory and management requirements.

Once this task has been accomplished risk control plans must be put in place to bring either eliminate this risks completely or to bring them down to acceptable levels. Such plans must essentially include business continuity plans which will enable an organization manage through an exposure once it has occurred.

Various types of exposures will require various types of controls. Taking the example of a health insurance provider, the various risks that it can be exposed to will include;

Risks within the service chain, and the chances of that chain being broken, leading to non delivery of service.

Technological and e-commerce risks which has been brought about by the use of the internet to sell products across borders.

Damage risks to its physical assets and its people.

Intellectual asset exposures including the leakage of organizations’ information to third parties, reputation and brand risks.

Liability risks such as those associated with the public, its products, employees, workplace legislation and even professional indemnity.

Product risks is worthy of mention on it’s own and the risks under this exposure include, quality control, brand risks, research and development exposures and product recall.

Other exposures will include, political risks, external environment risks, contractual risks and counter party risks.

Various options exist to control exposures; they can be classified into;

Retained risks- those risks which after analysis were seen to be better of managed within the organization. Methods include;

Self insurance or funding where the organization say sets up a fund from which dental and optical claims can be financed.

Captive insurance company; where a completely autonomous organization or subsidiary is set up to manage its exposures. This has tax incentives for large multinationals that can use the strengths of their balance sheet to manage their risks.

Absorbing the exposure as a risk to the organization, this is best seen in the retail supermarket where shoplifting, or stock shrinkage is a simply factored in as a loss to the organization.

Any financing method must be thoroughly analysed including a cost benefit analysis. And a written plan must be prepared and implemented to ensure that no potentially destructive risk is left unmanaged.

It is important to note that some of the killer risks to an organization are often without any form of insurance to protect them. Hence innovative ways must be thought out by the risk manager of how to best handle these exposures.

Transferring risks-this is transferring the consequences of any exposure to a third party to whom the organization bears no responsibility. Can be done through;

 Use of contract wordings, thereby ensuring that risks are not brought into the organization or those risks are transferred out of the organization. It is important to however note that in the event that the counterparty fails to meet its obligation, the risk will inevitably fall back on the risk manager’s organization, which may inevitably be less prepared to handle it.

Risks can also be transferred through the insurance industry, which is best for low frequency, high severity risk since it brings down the cost of protection by effecting the benefits of the law of large numbers.

However as stated earlier conventional insurance is not available for some types of risks, especially those catastrophic in nature. This has led to the creation of what is known as the alternative risk transfer mechanisms (ART) such instruments transfer risks into the capital markets of the world therefore ensuring a wider capital base against exposures.

Such control plans should be frequently reviewed and monitored to ensure they remain up to date and relevant.

Summary

The brief over view shows that every organization should with the help of a professional risk consultant, seriously conduct an in depth look at the exposures that they carry to ensure that these don’t hinder them from attainment of their objectives, and also to ensure that the risk are managed in the most cost effective manner to ensure maximum value to an organization and it’s stakeholders.

What We Is

050510

What we is ,

Not what we not,

What we see ,

Not what we thought,

Cruel reality,

Swindling what we bought,

What we give,

Suffices what we receive,

The air we breath,

In gloom we sink,

A cancerous need,

I paint you pink,

And to think,

What I see,  ain’t what it be

Tha purple haze…….,

Destined to carry me away

Heich

Black Vikings

Back like I was locked up, putting in work
Burning through books like nazi's in a catholic church
I'm cursed like cain when he murdered his brother
Cut your face off and wear it while I'm fucking your mother
I'm mars ultor, the avenger, the god of war
And if you don't believe in me, I doubt you believe in god at all
I breathe smokeless fire, the gin type
That'll make you hate the way that allah made you to live life
Like hindu, niggers, who be bleaching their skin white
Other people's teeth in my hands after a fist fight
I was born with a sixth sense and a swift right
Skin wear wolves will rape demons at midnight
Sell your kids into slavery after we murder you
Or sacrifice them in the same fire we burnin' you
Barbarian funeral, nigger, you wanna know?
Damn the river, bury me, and let the water flow

adapted.

Hollow yet full of crap

The world is hollow yet it's full of crap, prepare to gamble.
I give
you a handful of chips
tips on what's to come.
av cried a ton of
tears,
drunk a tons of beer.
It's fun and fears
but learn to
persevere throughout the years,
kept my ears open, eyes looking mouth locked.
Don't rock the boat- if you can't swim,
nobody may be
there with a limb to lend,
a truth painful; yet unbend
too much
church got them saying we need a modern day Moses.
new testament in
hand, written in the blood of coming generations




Heich(2012)