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For a long time the games are the entertainment, which is the most demanded for. Both in USA, and in a number of European countries, gaming industry overcame cinema in annual income already several years ago. The annual turnover in gaming industry already exceeded 15 billion dollars, and it still grows every year. I have proposed a logical gaming device, which combines the elements of Rubik’s Cube and the 15 puzzle, and which can be used widely to improve logical thinking abilities in children.

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A better development and implementation framework for credit risk scorecards Intelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. The credit scorecard is a powerful tool for measuring the risk of individual borrowers, gauging overall risk exposure and developing analytically driven, risk-adjusted strategies for existing customers. In the past 10 years, hundreds of banks worldwide have brought the process of developing credit scoring models in-house, while ‘credit scores' have become a frequent topic of conversation in many countries where bureau scores are used broadly. In the United States, the ‘FICO' and ‘Vantage' scores continue to be discussed by borrowers hoping to get a better deal from the banks. While knowledge of the statistical processes around building credit scorecards is common, the business context and intelligence that allows you to build better, more robust, and ultimately more intelligent, scorecards is not. As the follow-up to Credit Risk Scorecards, this updated second edition includes new detailed examples, new real-world stories, new diagrams, deeper discussion on topics including WOE curves, the latest trends that expand scorecard functionality and new in-depth analyses in every chapter. Expanded coverage includes new chapters on defining infrastructure for in-house credit scoring, validation, governance, and Big Data. Black box scorecard development by isolated teams has resulted in statistically valid, but operationally unacceptable models at times. This book shows you how various personas in a financial institution can work together to create more intelligent scorecards, to avoid disasters, and facilitate better decision making. Key items discussed include: Following a clear step by step framework for development, implementation, and beyond Lots of real life tips and hints on how to detect and fix data issues How to realise bigger ROI from credit scoring using internal resources Explore new trends and advances to get more out of the scorecard Credit scoring is now a very common tool used by banks, Telcos, and others around the world for loan origination, decisioning, credit limit management, collections management, cross selling, and many other decisions. Intelligent Credit Scoring helps you organise resources, streamline processes, and build more intelligent scorecards that will help achieve better results.

Do you want to manage your cashflow better and get rid of financial stress? Do you put finance products such as health insurance and mortgages in the too-hard basket? Money for Nothing is a call to action to wise up, get smart and get your finances in order. Complete this 12-week financial fitness program and discover how to make substantial savings running into the thousands! Learn how to: get better deals, cut fees and other unwanted charges from your daily spend, and redirect your money where it' most important to you understand your financial profile and how to get the best value for money when choosing your essential finance products shop around using the latest research from CANSTAR and other comparison sites. By breaking down the jargon and busting the fine print on everything from mortgages, car loans, personal loans and health insurance to car insurance, credit cards, superannuation, tax and much more, Justine Davies helps you make good choices on the key financial products and services in your life. Justine Davies is a financial planner, journalist, author and blogger who loves educating people about money.

Want to supercharge your life? Effective networking is the answer and this book will teach you how. Professionals of all stripes and ages are told to 'get out there' and network so they can build their careers, grow their businesses and elevate their influence in the community, but they are rarely taught the skills to do that. Most people are lost, intimidated by the idea of presenting their own personal brand, and frustrated when it comes to networking. Despite long hours at events and attempts to make the right connections, they aren’t seeing their desired results. From Business Cards to Business Relationships is a start-to-finish guide that demystifies the networking process and teaches readers how to truly benefit from getting connected. Allison Graham provides an easy to follow road map that is adaptable to your personality, circumstances and growth goals. You will learn how to strategically decide where to go, what to do when you get there and what to do afterwards to turn those casual business card contacts into meaningful relationships. Allison's approach is based on the Four Pillars of Profitable Networking: Perspective, Personal Brand, Procedures, and a Strategic Plan. This is a prescriptive, practical system based on the author's real-life experience of going from unconnected to connected in a short period of time. No cheesy gimmicks or high-pressure nonsense, just the skills and knowledge that will create success for anyone willing to do the work and follow this advice. Regardless of your past experience or current level of connectivity, your industry or profession, whether you're an entrepreneur or climbing the corporate ladder: you can accomplish whatever you want by meeting and connecting with the right people. From Business Cards to Business Relationships gives you the tools you need to cement a positive personal brand and build your own profitable network. Praise for From Business Cards to Business Relationships «Allison Graham can help you turn an introduction into a business, a dinner into a relationship, and an average practice into world class. I've long preached that we're in a relationship business, and this book provides the handshakes, codes, actions, and routes to master those relationships.» —Alan Weiss, PhD, Author of Million Dollar Consulting and The Consulting Bible «At last—a networking book that actually makes sense! Allison Graham's four pillars of networking are as simple as they are powerful. If you are willing to follow her lead with consistent and persistent effort, you will make your mark and expand your horizons both personally and professionally.» —Lou Heckler, Humorous Business Keynote Speaker and Speech Coach «This book is an excellent and much-needed resource to share with the business community.» —PJ Hartson, Business Editor, Sun Media