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  22. <title>Emini Trading Systems &#8211; Uses of Emini Futures Trading Systems</title>
  23. <link>https://cspbuln.info/emini-trading-systems-uses-of-emini-futures-trading-systems/</link>
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  25. <pubDate>Fri, 05 May 2023 13:11:55 +0000</pubDate>
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  46. <description><![CDATA[In a recent article, we discussed the abuse of the idea of the trading system. And while we were mostly interested in e-mini futures trading systems, this problem is pretty common also when it comes to stock and Forex trading &#8230; <a href="https://cspbuln.info/emini-trading-systems-uses-of-emini-futures-trading-systems/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  47. <content:encoded><![CDATA[<p> In a recent article, we discussed the abuse of the idea of the trading system. And while we were mostly interested in e-mini futures trading systems, this problem is pretty common also when it comes to stock and Forex trading systems.The uses of trading systems seem much more straightforward to address. One can easily distinguish two major ways in which such systems can be used.The first one is a direct use. You simply follow the calls generated by the system and place your trades based on them. This is a mechanical way of trading that can easily be mastered by virtually everyone out there. It is important to keep in mind that you need to follow all calls. Choosing only some of them and disregarding other is not what mechanical trading is about. It is pretty much what discretionary trading is about for you choose to rely also on your personal judgement when executing the system calls and not exclusively on the calls themselves.That does not mean that you cannot or should not use your discretion, but unless you trust your discretion more than a system and have a very good reason to trust it more than the system, employing it for a mechanical trading system can be a risky proposition. It may and very often does make more sense to simply religiously follow the mechanical system to the &#8220;t&#8221;. After all, what was the point to design and test it in the first place, if you prefer to override it with your discretion? This also seems to suggest that you don&#8217;t particularly trust your system and so perhaps it is not such a good idea to trade it at all.It often makes more sense to use the ideas the trading system is based on to infer the market bias and apply your discretion right at this point instead of waiting for the system call in order to decide whether to take it or not. This kind of use has much more in common with another class of proper uses of trading systems to be discussed next.This other class of uses is the indirect use. Here is one popular way to do it. You follow the system, but don&#8217;t act on it. In fact, you act only when the system did not issue a call, but came close to it. You interpret this as a weakness of the market to advance in the direction that would have been indicated by the system had it issued a call. Because of this, you go in the opposite direction. For example, had the trading system came close to advising a long position, but ultimately failed to generate this call, you would have gone short. In trading parlance this is sometimes called &#8220;fading the system.&#8221;These two ways of using trading systems, the direct and indirect one are most common and make most sense. Using discretion, which some do when trading mechanical systems, is more advisable when it comes to the indirect use. Otherwise, more often than not, it is more of an abuse of a properly designed trading system that it is its kosher use. </p>
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  53. <title>Institutional Reforms In The Higher Education Sector Of Mozambique And Ethical Issues</title>
  54. <link>https://cspbuln.info/institutional-reforms-in-the-higher-education-sector-of-mozambique-and-ethical-issues/</link>
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  56. <pubDate>Fri, 05 May 2023 10:56:48 +0000</pubDate>
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  74. <description><![CDATA[The need to eradicate poverty through increased literacyOne of the central goals defined by the Government of Mozambique in its long-term development strategy is &#8220;poverty reduction through labour-intensive economic growth&#8221;. The highest priority is assigned to reduce poverty in rural &#8230; <a href="https://cspbuln.info/institutional-reforms-in-the-higher-education-sector-of-mozambique-and-ethical-issues/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  75. <content:encoded><![CDATA[<p> The need to eradicate poverty through increased literacyOne of the central goals defined by the Government of Mozambique in its long-term development strategy is &#8220;poverty reduction through labour-intensive economic growth&#8221;. The highest priority is assigned to reduce poverty in rural areas, where 90 percent of poor Mozambicans live, and also in urban zones. The Government recognizes also that, for this development strategy on poverty eradication to succeed, expansion and improvement in the education system are critically important elements in both long-term and short-term perspectives.In the long term, universal access to education of acceptable quality is essential for the development<br />
  76. of Mozambique´s human resources, and the economic growth will depend to a significant extend on the education and training of the labour force. It is very important to develop a critical mass of well trained and highly qualified workforce which in turn will improve the overall literacy, intellectual development, training capacity and technical skills in various areas of the country&#8217;s economic and industrial development.In the short term, increased access and improved quality in basic education are powerful mechanisms for wealth redistribution and the promotion of social equity. This policy is consistent with the provisions of the new Constitution of Mozambique adopted on 16 November 2004, in its articles 113 and 114 which deal respectively with education and higher education. Around the year 1990, the Government of Mozambique decided to change its social, economic and political orientation system from the centrally-planned system inherited from the communist era and adopted a western-style of free market system. At the same time, it was also decided to adopt fundamental changes in the education programmes. Since drastic changes and wide ranging effects were resulting from the adoption of the new economic and political orientation, it was necessary to provide new guidelines and rules governing the management of institutions of higher education.The struggle continues: &#8220;a luta continua&#8221; ! The economic and political changes were progressively introduced with success through legislative and regulatory reforms. However, it has not been very easy to evenly change rules of social and cultural behaviour. In particular, vulnerable younger generations are the most affected by the rapid changes in society, while the reference model and values they expect from elder people in the modern Mozambican society seem to be shifting very fast. And in some instances, there seem to be no model at all.  The new wave of economic liberalism in Mozambique, better defined by the popular concept of &#8220;deixa andar&#8221;, literally meaning &#8220;laisser-faire&#8221;, was mistakenly adopted as the guiding principle in the areas of social, cultural and education development.The &#8220;laisser-faire&#8221; principle is better understood by economists and entrepreneurs in a system of open market and free entrepreneurship, under which the Government&#8217;s intervention is reduced to exercising minimum regulatory agency. The recent considerable economic growth realized by the Government of Mozambique (10% of successive growth index over four years) is attributed mainly to this free market policy.  This principle should be carefully differentiated from &#8220;laisser-aller&#8221; which, in French language, rather means lack of discipline in academic, economic, social and cultural environments.<br />
  77. Reforming higher education institutions represents a real challenge, both at the institutional and pedagogic levels, not only in Mozambique, but elsewhere and in particular in African countries faced with the problem of &#8220;acculturation&#8221;. The youth seeking knowledge opportunities in national universities, polytechnics and higher institutes, where students are somehow left on their own, having no longer any need to be under permanent supervision of their parents or teachers, are disoriented. Since reforms in higher education institutions take longer than in any other institutional environment, it is necessary indeed to adopt adequate transitional measures to respond to urgent need of the young generations.This essay reviews current trends and the recent historical background of higher education institutions of Mozambique. It argues against the adoption of the classical model of higher education from European and other western systems. In its final analysis, it finds that there is need to include ethical and deontology (social, cultural and moral education) components as priority sectors within the curriculum in higher education institutions, with a view to instill in the students and lecturers positive African values in general, and in particular, national Mozambican models. It is rejecting the neo-liberal thinking, which proposes that students in higher education institutions should be allowed to enjoy unlimited academic, social and intellectual uncontrolled independence, in conformity with western classical education and cultural orientation. It advocates for critical thinking and brainstorming on key issues towards the development of positive cultural and ethical models in higher education institutions which could be used to promote knowledge development and poverty eradication in the country&#8217;s rural areas and urban zones affected by unemployment, pandemics and economic precariousness.The colonial legacy and its cultural impact on higher education in Mozambique.Many experts have described the Mozambican mother of higher education as an institution for colonialists and &#8220;assimilados&#8221; . The first institution of higher education in Mozambique was established by the Portuguese government in 1962, soon after the start of the African wars of independence. It was called the General University Studies of Mozambique (Estudos Gerais Universitários de Moçambique EGUM). In 1968, it was renamed Lourenço Marques University. The university catered for the sons and daughters of Portuguese colonialists. Although the Portuguese government preached non-racism and advocated the assimilation of its African subjects to the Portuguese way of life, the notorious deficiencies of the colonial education system established under the Portuguese rule ensured that very few Africans would ever succeed in reaching university level. However, many educated African were led to adopt the colonial lifestyle.In spite of Portugal&#8217;s attempts to expand African educational opportunities in the late 1960s and early 1970s, only about 40 black Mozambican students &#8211; less than 2 per cent of the student body -had entered the University of Lourenço Marques by the time of independence in 1975. The state and the university continued to depend heavily on the Portuguese and their descendants. Even the academic curriculum was defined according to the needs and policies defined long ago by the colonial power.<br />
  78. Soon after Independence in June 1975, the Government of Mozambique, from the FRELIMO party, adopted a Marxist-Leninist orientation and a centrally planned economy. The educational system was nationalized, and the university was renamed after Dr. Eduardo Mondlane, the first president of FRELIMO.Many cadres trained in Portugal and other European and American universities came also with their own educational and cultural background. Apart from the Eduardo Mondlane University, new public and private universities and institutes were established. These include the Pedagogic University, the ISRI, the Catholic University, ISPU, ISCTEM and ISUTC.  Most of these institutions adopted a curriculum clearly modeled on the classical European model. There is still need to integrate African traditional values in the course profiles offered and research programmes developed by these institutions.The traditional role of a university is to enlighten and serve as a reference within the society: &#8220;illuminatio et salus populi&#8221;.  Today, Mozambique is one of the most culturally and racially diversified society of Africa. This diversity should be considered as a cultural treasure for the nation. It has become however apparent that it&#8217;s more a &#8220;Babel Tower case&#8221;, as no unified Mozambican values appear to develop from this wide variety. With the creation of new public and private universities and new faculties, it would become easier to increase a critical mass of university lecturers and academic professionals, who would in their turn, influence the society, creating and instilling national positive values and ethical principles of conduct in the younger generations. According to many lecturers and students contacted at UEM, Universidade Pedagogica UP and UDM, the impact of higher education on the development of positive academic, scientific, social and cultural values in Mozambique is yet to be felt.It is however necessary to acknowledge the importance of newly introduced community-based education programmes in some institutions. For instance the emphasis on community and service has guided curriculum development at the Catholic University; its course in agronomy (Cuamba) concentrates on peasant and family farming systems and leans heavily on research and outreach within local farming communities.  The CU course in medicine (developed in collaboration with the University of Maastricht) which concentrates on teaching medicine, was particularly deemed appropriate for the rural and urban poor populations of Mozambique, as it is more based on problem-solving and focuses much more on traditional issues.New Reforms in higher education institutions with a more participative approachMozambique is one of few countries in Africa where a new generation of leadership has stepped forward to articulate a vision for their institutions, inspiring confidence among those involved in higher education development and the modernization of their universities. In a series of case studies sponsored and published by the Partnership for Higher Education in Africa , it was confirmed that African universities covered by the studies have widely varying contexts and traditions. They are engaged in broad reform, examining and revising their planning processes, introducing new techniques of financial management, adopting new technologies, reshaping course structures and pedagogy, and more important, reforming practices of governance based in particular on their own contexts and traditions.Important institutional reforms concerning the strategic planning experiences of the Eduardo Mondlane University (UEM) were initiated and implemented so far. Two strategic planning cycles were developed, the first in 1990 and the second one in 1996 / 97.  The second one was meant to adapting to the impacts of newly adopted multi-party democracy, market competition, and globalization. Whereas the first reform cycle was the result of high level officials at the University, the second one was generated using a participatory methodology deemed to be more effective in involving the university staff in the process.It is important to listen to everyone, and to be seen as listening. We are also convinced that various components of the population in Mozambique should be involved in the next phases of the process with a view to define what kind of education orientation the population would wish to have for their children.<br />
  79. There is important progress but yet limited academic impact on the development of the society<br />
  80. Considerable progress has been so far made in post-independence Mozambique. After the initial problems caused by the long years of civil war and then the long efforts necessitated by the adjustment to a market-driven economy and a multi-party democratic political order, Mozambique is now considered to have a higher education system that offers a wide variety of course options and extensive research opportunities. However, a major weakness highlighted by many observers is that all the institutions remain basically concentrated in the capital city of Maputo and its neighboring provinces. It is argued that they serve only a limited fraction of the Mozambican population, and are destined to train the elite of prominent people in government and in the professions, industry and commerce. It is also alleged that the majority of the students who succeed in entering public and private institutions of higher education are from relatively rich families.It is finally emphasized that nearly 80 per cent of university students in Mozambique use Portuguese as their principal means of communication, thus strengthening the perception of establishing, reproducing and consolidating a hereditary elite, with model values copied on western societies. In response to this challenge, it was suggested that the government should encourage the emergence of new and non-traditional HEIs closer to the local communities, able to respond more rapidly and flexibly to the demands and expectations of the public and private sectors for a high quality trained workforce, while addressing both regional and socioeconomic imbalances in the country.In our final analysis, we find that the impact of higher education institutions on the development and dissemination of traditional African social and cultural values would be very limited for a long period. As long as the access and feed-back from all levels of the society and regions will be left out of the core interaction with the highly educated elite and higher education institutions mainly concentrated in Maputo, the role of universities in promoting African positive values, a culture of academic ethics and deontology in the entire national society will be very limited.The process of &#8220;Nation building&#8221; needs to rely on a strong academic support. One of the Government&#8217;s main constitutional commitments is to promote the development of the national culture and identity (article 115 of the 2004 Constitution). It is clear that many institutions, for instance the television, are actively promoting cultural diversity through various means. Institutions of higher education should be seen doing more, in particular starting with the students themselves and the academic community members, who are expected to be the light of the society. Such actions would include the integration of courses on ethics and deontology, and develop a wide-ranging variety of education models that reprove negative behavior and promote positive values. Our recommendation is that the Government should for example instruct public universities and other higher education institutions, to appoint &#8220;Ethics and Deontology Committees&#8221; at the level of their University Councils and within all autonomous faculties.Bibliography-Fry, Peter and Utui,  Rogéro (1999), The Strategic Planning Experience at Eduardo Mondlane University, ADEA Working Paper on Higher Education, ADEA,  Association for the Development of Education in Africa, Paris.-Mouzinho, Mário ; Fry, Peter ; Levey, Lisbeth and Chilundo, Arlindo (2001), Higher Education in Mozambique: A Case study, The Partnership for Higher Education in Africa, New York University, New York </p>
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  86. <title>Military Loans &#8211; Serving Financial Need of Those who Serve the Country</title>
  87. <link>https://cspbuln.info/military-loans-serving-financial-need-of-those-who-serve-the-country/</link>
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  89. <pubDate>Thu, 04 May 2023 08:42:15 +0000</pubDate>
  90. <dc:creator>admin</dc:creator>
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  110. <description><![CDATA[Military loans are overcoming financial difficulties for army personnel who have served the country with a dedication which can&#8217;t be put in words. Military loans are offered to both serving army persons and those who have retired from the service. &#8230; <a href="https://cspbuln.info/military-loans-serving-financial-need-of-those-who-serve-the-country/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  111. <content:encoded><![CDATA[<p> Military loans are overcoming financial difficulties for army personnel who have served the country with a dedication which can&#8217;t be put in words. Military loans are offered to both serving army persons and those who have retired from the service. Military loans are an exclusive and resourceful way of providing army personnel with loans to make their home improvement, or getting higher education or vacation or car buying or any other personal use.Military loans are offered at lower interest rate as compared to the loans offered to other people. Military loans are flexible and have special offers with easy approval. Many private online services offer military loans to active duty and career retired men and women of armed forces.Applying for military loans would require you to show the details about your military identification along with your personal information. Your application will be analyzed keeping in mind your level of duty, credit history and financial needs. There are innumerable military loan plans to compliment your rank and financial situation.Most military loans do not require any collateral to be place, so you don&#8217;t have to pledge any of your valuable assets like your property or home. Military loans for army personnel are typically unsecured loans. However, unlike unsecured loans the interest rates are low and can be paid early without any penalties, fees or penalties.A good credit history is integral to finding a good military loan. You won&#8217;t find a better military loan product in case you have an awful credit history. Past credit history can do all the work for you, if you are trying to find a good loan rate. There are discounts and offers for military personnel but nothing can compensate for a truly upright credit history. But it does not mean under any circumstances that you cannot get a military loan with bad credit.  However, it is still good to keep out of debts and keeping credit history clean.Military loans are provided to all ranks and enable you to borrow loan amount ranging from £500 to £10,000.  Military loans for army personnel can be either beneficial or disadvantageous. They can have the effect of solving emergency or other financial needs. There have been cases of overcharge and deception with military loans. Therefore, caution is advised while loan borrowing.  Some loan lenders are charging outstanding fee for military loans. There are chances of deception on internet also. Falling prey to them will lead to heavy financial loses when you can easily get low interest military loans. Try approaching a site that is completely dedicated to the cause of helping military personnel their families, and their spouses. Approach a site which charges fair rates and has a good standing with the military community.Military personal can find loans of their kind auto loans, va loans, payday loans, personal loans, home loans, computer financing. Military personnel and retirees should do research about military loans before they settle on a particular loan. Do not settle for the first loan, you qualify for. You can find loan lenders on the internet who tell whether you qualify within five minutes. Otherwise the process might take about 24 hours. A simple online form would start the process for military loans. The information that you provide will remain confidential and secure with the loan lender.Military loans like all the loan types are meant to be paid back. So, planning repayment makes sense. Special advantages of military loans make it easier for you to repay it. You can have access to military loans anywhere and they can even be mailed.Military loans are exclusive service for those who serve in the military. Fighting each day for the freedom of your country with your life at stake is difficult. Finding a military loan for your situation should not be the same. Military loans for army personnel are a tribute to these men and women so that they can meet their financial needs online. </p>
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  117. <title>Construction Equipment Financing Takes Planning</title>
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  150. <description><![CDATA[Establishing or expanding an existing construction business can be an overwhelming experience. In deciding the proper direction you&#8217;ll need to plan out what type of equipment to purchase but more importantly how to pay for it. Are you able to &#8230; <a href="https://cspbuln.info/construction-equipment-financing-takes-planning/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  151. <content:encoded><![CDATA[<p> Establishing or expanding an existing construction business can be an overwhelming experience.<br />
  152. In deciding the proper direction you&#8217;ll need to plan out what type of equipment to purchase but more importantly how to pay for it. Are you able to pay cash or will construction equipment financing be necessary? Is it better to buy new equipment or will refurbished or used equipment be a better value.Unable to pay cash is not unusual and often the need to seek out a construction equipment finance company is the best alternative. In researching equipment financing you&#8217;ll want to have a clear understanding of what your company needs in the way of equipment and how your cash flow will allow you to pay for it.Determine The Type Of Equipment You NeedYour construction equipment finance company will need to know exactly what type of equipment you intend to purchase, as they will tailor the finance terms to match the need. Different types of equipment will have different types of financing. For example, if you plan to upgrade your computer system the finance company may offer shorter term financing as computer equipment becomes obsolete in a short amount of time. The purchase of a bulldozer or cement truck may have a much longer life span and be eligible for longer term financing.Consider Used Or Refurbished EquipmentOnce you decide how much equipment to buy, the brand you want or need, how much your budget can support, etc. you will then need to decide if buying new or used equipment is the best route to follow. Refurbished or used equipment may be an ideal solution, especially if the primary use is to be used as a back up to your existing construction equipment and not put into use on a daily basis. Not all used construction equipment will be reliable enough if you plan on making it your primary equipment. Just as you&#8217;d research the pros and cons of purchasing a used car you should perform diligent research on your proposed used equipment purchase.Not All Financing Companies Are The SameNow that you know what you want or need and have decided between refurbished or new it&#8217;s time to start researching financing companies. A good place to start is the bank that maintains your business checking account. Although they may not offer the most attractive financing options it may offer a good comparison to a company that is a construction equipment finance specialist.Because it&#8217;s all that they do, an equipment financing company will be more knowledgeable than a commercial bank with regards to your specific business and equipment needs. Seek out a company that maintains its own underwriting department since these companies are more able to respond to your request for equipment financing quicker than if they had to send the application out of the department for review. The end result will be you have your financing quicker and delivery of your new equipment will not be delayed due to financing.If you&#8217;re not in a position to purchase new or refurbished equipment another option often offered by equipment financing companies is equipment leasing. This is a great option for a seasonal business, someone just starting out or where tax advantages come into play. If you&#8217;re concerned about tying up liquid assets as you establish or expand your current construction equipment fleet, look to a construction equipment finance company. They have the experience and knowledge to help guide you in financial decisions that are right for you. </p>
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  158. <title>Commercial Property &#8211; The 3 Golden Rules to Listing and Marketing Property</title>
  159. <link>https://cspbuln.info/commercial-property-the-3-golden-rules-to-listing-and-marketing-property/</link>
  160. <comments>https://cspbuln.info/commercial-property-the-3-golden-rules-to-listing-and-marketing-property/#comments</comments>
  161. <pubDate>Tue, 07 Feb 2023 04:53:06 +0000</pubDate>
  162. <dc:creator>admin</dc:creator>
  163. <category><![CDATA[Uncategorized]]></category>
  164. <category><![CDATA[building]]></category>
  165. <category><![CDATA[Buying]]></category>
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  175. <category><![CDATA[Real Estate]]></category>
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  177. <guid isPermaLink="false">http://cspbuln.info/?p=48</guid>
  178. <description><![CDATA[When listing a commercial or retail property for sale or for lease, it is easy to cut corners or succumb to the pressures of the client and their &#8216;special deal&#8217; requests as part of the listing process. The reality is &#8230; <a href="https://cspbuln.info/commercial-property-the-3-golden-rules-to-listing-and-marketing-property/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  179. <content:encoded><![CDATA[<p> When listing a commercial or retail property for sale or for lease, it is easy to cut corners or succumb to the pressures of the client and their &#8216;special deal&#8217; requests as part of the listing process. The reality is that the real estate agent understands the property market far better than the client. On that basis the real estate agent should be confident and decisive in the presentation and listing process; discounts and short-cuts should not apply.These three golden rules to the listing and marketing process will improve the opportunities of successful sale or lease for both the client and the agency.Vendor paid advertising is a critical component of the marketing decision when it comes to taking a property to market today. Understandably clients like to cut corners and expenses when it comes to the property sale. The reality is that shortcuts in vendor paid advertising are counterproductive and will in fact produce fewer enquiries. You would think that the property vendor would understand the importance of this expenditure at the time of sale or lease. The agent or the salesperson should therefore consistently recommend strategies of vendor paid advertising for each and every listing. As part of that process to help the client further, the agent can offer two or three vendor paid marketing packages that give the client a budgetary choice.<br />
  180. An exclusive listing is really the only way to take a property to the market if the client is serious in the sale or lease. The exclusive listing process gives the client the dedicated focus of the salesperson and agency for a fixed period of time. All property inspections, negotiations, and communications can be specifically constructed to bring about the best outcome in the property sale or lease for the client. Any client that insists or asks for an open list strategy is essentially wasting their own time and also that of the agency. The reality is that open listings stay on the market much longer than exclusive agencies. Open listings are simply an exercise in random marketing and generate random enquiry. On average, successful exclusive listing processes in commercial or retail property should be for a period of four months. After that time the property will have saturated the local property market; if a sale or lease has not occurred, and the real estate agent performed their duties correctly, then it is better to take the property off the market for later repositioning, pricing, and relisting.<br />
  181. The right method of sale or lease should be suitably chosen to give the marketing campaign real momentum, maximize and optimise the property enquiry, and clearly support the client with their ultimate property disposal targets. In any given property market, the methods of sale or lease will vary subject to the property type, the target market, and the levels of local enquiry. On this basis, the real estate agent should give the client significant and real local area recommendations to consider as part of the method of sale or lease decision.As simple as these three elements are, it is remarkable how some agencies and salespeople do not prepare well for the appropriate supporting arguments and negotiations with the client. It pays to remember that the client requires property assistance in the most timely and efficient way; cutting corners or giving concessions should not feature in the listing process. On that basis the three points above are consistently the 3 golden rules to address in listing and marketing of any commercial or retail property. </p>
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