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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>andtutsln.info</title> <atom:link href="http://andtutsln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://andtutsln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 22:41:58 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Freedom of Association Law and Employment Contracts</title> <link>https://andtutsln.info/freedom-of-association-law-and-employment-contracts/</link> <comments>https://andtutsln.info/freedom-of-association-law-and-employment-contracts/#comments</comments> <pubDate>Fri, 19 May 2023 16:06:08 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Law and Issues]]></category> <guid isPermaLink="false">http://andtutsln.info/?p=78</guid> <description><![CDATA[One of the most important international labor standards is the freedom of association. This is expressed in Article 41 of the original constitution of the International Labour Organisation and it is considered, in that document and its successors to be … <a href="https://andtutsln.info/freedom-of-association-law-and-employment-contracts/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<div id="article-content"><p>One of the most important international labor standards is the freedom of association. This is expressed in Article 41 of the original constitution of the International Labour Organisation and it is considered, in that document and its successors to be at the level of a fundamental human right which in the context of labour law is associated with the right of the workers to assemble and form labor organisations. It also appears to be universal that there must be a level of respect and observance of the right to freedom of association by employers for workers in order for economies to function effectively in developed and developing countries.</p><p>Interestedly, also at the international level there is the operation of the international labour organisation’s special procedures for inquiring into an alleged failure to respect these principles. The first of these procedures is the Fact Finding and Conciliation Commission on Freedom of Association. This first procedure appears to have suffered from under utilisation and now appears to have been relegated to the role of dealing with complaints against countries that are members of the United Nations but not of the International Labour Organisation. The second major procedure in operation is the Committee on Freedom of Association. This committee has remained active and engaged in the purpose that it was originally envisaged for. It has 9 sitting member states and has examined nearly 3000 complaints since its establishment in 1951. The committee has heard a number of complaints relating to the breach of the principle of freedom of association. The committee will hear the complaints from a variety of sources including employers and employee organisations. However, there is a need to notice that a state is only bound by the terms of the committee’s decision if the State has ratified conventions number 87 and 98. However, the United States has not ratified these conventions and is therefore only subject only to the jurisdiction of the committee rather than the conciliation commission.</p><p>The United States has always had an active interest in the International Labor organisation from the time of its formation to the present time. However, there are a number of issues which prevent the deep implementation of the principles of the International Labor Organsiation in the United States. The bulk of the jurisdictional requirements for labor laws in America are dealt with at state level with only a handful of employment matters, most notably in the area of discrimination on the grounds of race, sex and age at federal level. There is therefore only limited application of the principles of freedom of association as a human right in the labor laws of the United States.</p></p></div><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://andtutsln.info/freedom-of-association-law-and-employment-contracts/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Assessing a Real Estate Market — Jobs</title> <link>https://andtutsln.info/assessing-a-real-estate-market-jobs/</link> <comments>https://andtutsln.info/assessing-a-real-estate-market-jobs/#comments</comments> <pubDate>Sat, 13 May 2023 20:14:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Real Estate]]></category> <category><![CDATA[building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <guid isPermaLink="false">http://andtutsln.info/?p=76</guid> <description><![CDATA[Given the fact the blazing hot real estate market has cooled off, one must wonder whether it is worth buying now in any location. One way to identify a good area deals with jobs.Assessing a Real Estate Market – JobsFirst … <a href="https://andtutsln.info/assessing-a-real-estate-market-jobs/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Given the fact the blazing hot real estate market has cooled off, one must wonder whether it is worth buying now in any location. One way to identify a good area deals with jobs.Assessing a Real Estate Market – JobsFirst things first – national trends in real estate mean little when it comes to assessing a local area. During the recent red hot real estate market, national trends would have led one to believe you could buy anywhere and reap insane appreciation rates. This simply was not true. States like Texas and Colorado, for instance, generally showed miserly appreciation rates in the four to six percent range. Simply put, the national trend in real estate was a reflection of an average movement across the country, not a predictor for certain locations.Without a doubt, the national figures for the real estate market have cooled off dramatically. We are seeing price drops and appreciation rates stagnate in many formerly hot markets. Las Vegas, for instance, was a market that was blazing hot with 25 percent appreciation rates for a couple years running. Now, the market in Vegas has cooled significantly. This is a trend being repeated in numerous markets that were previously hot, hot, hot.Does this cool off mean you should avoid purchasing real estate? No! It just means you need to pay closer attention to what is happening in the community you are considering. One of the biggest issues to focus on is the job market. This is an issue most people fail to consider, so you can reap huge profits if you get it right.When considering jobs, you want to look for an area that is exhibiting solid job growth in white collar industries. The fact that 50 McDonalds are opening is not really going to spur the real estate market. On the other hand, the fact that Boeing is opening a massive construction facility in the area is going to bring a boon to the real estate market. White collar jobs lead to housing demands. The more demand there is, the higher prices and appreciation rates go regardless of any national trend.Five or six years ago, I was taking a flight to Portland. The plane was loaded with employees of a large corporation that were commuting between their homes in California and Portland. It turned out the company was in the process of moving to Oregon and 5,000 employees were going with them. Although I don’t recall the company name, it was in the computer industry. Given this migration of jobs, do you think Portland would have been a good place to buy?There are many factors that go into the status of a real estate market. If you focus on job growth, you may just find some gems in an otherwise cool real estate trend. </p>]]></content:encoded> <wfw:commentRss>https://andtutsln.info/assessing-a-real-estate-market-jobs/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>3 Important Aspects to Know About Life Insurance in Canada</title> <link>https://andtutsln.info/3-important-aspects-to-know-about-life-insurance-in-canada/</link> <comments>https://andtutsln.info/3-important-aspects-to-know-about-life-insurance-in-canada/#comments</comments> <pubDate>Sat, 13 May 2023 13:10:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://andtutsln.info/?p=73</guid> <description><![CDATA[WHAT TO ASK BEFORE BUYING LIFE INSURANCELife protection is an extremely important part of financial planning, but not many people want to talk about it. To make this topic more accessible, we are laying out the statistical facts and other … <a href="https://andtutsln.info/3-important-aspects-to-know-about-life-insurance-in-canada/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> WHAT TO ASK BEFORE BUYING LIFE INSURANCELife protection is an extremely important part of financial planning, but not many people want to talk about it. To make this topic more accessible, we are laying out the statistical facts and other useful pieces of information to inform Canadians about life insurance. After discussions with consumers, we have identified the main questions and concerns of Canadians:• What amount of life insurance should I choose?• How much insurance protection do I need if I have children?• What kind of life policy do I need?TOPIC 1: HOW MUCH LIFE INSURANCE SHOULD I CHOOSE?If you get Life Insurance, you want make sure that all essential financial aspects are covered so they do not become a burden for your family. These aspects can include:• Income substitution for your family• Taking care of your children’s education (e.g. university or college costs)• Paying down assets (e.g. mortgage on your house, car loan)• Dealing with outstanding financial debt (e.g. lines of credit, credit card debt)• Other costs (e.g. funeral)So, how much life protection coverage do Canadians choose? Our analysis shows that most approx. 60% Canadians choose life insurance under $250k:Coverage Amounts chosen by Canadians:- Less than $100,000: 30%- $100,000-$250,000: 31%- $250,000-$500,000: 20%- $500,000-$1,000,000: 10%- $1,000,000-$2,000,000: 7%- Over $2,000,000: 2%We recommend speaking with a knowledgeable insurance broker or insurance representative before making this big decision. There might be other potential financial responsibilities that you have not calculated. If you have children, the costs can be much higher than you think – just take a look at the next section.A separate word on Mortgage Life Insurance: In most cases having separate mortgage insurance is not recommended. Having enough life and disability insurance can encompass a mortgage, avoiding policies overlaps.TOPIC 2: I HAVE CHILDREN – HOW MUCH COVERAGE DO I NEED?If you have kids, there are several areas that you need to calculate into your financial planning (based on analysis from Money Sense):• Food• Clothes• Health Care (e.g. dental services, braces)• Personal Care (everything from diapers to deodorant)• School and recreation (school supplies, sports, activities etc.)• Transportation (E.g. public transit or minivan)• Housing (E.g. larger house with more bedrooms, furniture, additional utilities etc.)• Child Care (e.g. nanny, daycare, babysitters)Overall costs add up to $243,660 as the total cost of raising a child to the age 18. This means $1,070 per month over the course of 19 years. You should consider that this number does not include any post-secondary education costs. Having several children will obviously increase this amount correspondingly. Have you calculated these numbers into your future coverage?TOPIC 3: WHAT TYPE OF INSURANCE DO I NEED?There are several types of life insurance – here is brief overview of different insurance types:Term Life: Life protection that will expire at the end of a set term (e.g. after 5, 10, 20 years) and which does not accumulate any value. It is a pure insurance product: simple and easy to understand.Universal Life: A combination of life protection and an investment component. A portion of your premiums go into your account, increasing your net worth. You can choose how the investment component is invested. Universal Life typically comes at a higher cost than a Term Policy.Whole Life: One of the most complex life products. Like Universal Life, a Whole Life policy also has both insurance and investment components. However, they typically offer less flexibility (e.g. the insurer decides how the investment component is invested). This product is also more expensive than Term Life insurance.While each type of life insurance has its pros and its cons, we believe, the best choice for most people is very often Term Life insurance. It’s the simplest product to understand, it’s the cheapest protection you will get, and it fully fulfills its purpose – to protect.One of the fans of simple Term Life is Suze Orman, one of the leading personal finance gurus in the U.S.A.According to our analysis, Term Life is the most popular protection type in Canada. Nearly 45% of our users, who have Life insurance, report that they have purchased Term Life.Please speak with a qualified insurance broker or advisor before making any important decisions associated with such an important topic. This article is provided for educational purposes only. </p>]]></content:encoded> <wfw:commentRss>https://andtutsln.info/3-important-aspects-to-know-about-life-insurance-in-canada/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Comparing Hydroponic Watering Systems</title> <link>https://andtutsln.info/comparing-hydroponic-watering-systems/</link> <comments>https://andtutsln.info/comparing-hydroponic-watering-systems/#comments</comments> <pubDate>Tue, 09 May 2023 18:45:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[systems]]></category> <guid isPermaLink="false">http://andtutsln.info/?p=71</guid> <description><![CDATA[A Common Choice: Hydroponic Drip SystemThere are different places where hydroponic system plans can be found, either for free (DIY) or for purchase at a retailer. There are companies that will sell hydroponic drip systems pre-made. These systems can be … <a href="https://andtutsln.info/comparing-hydroponic-watering-systems/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> A Common Choice: Hydroponic Drip SystemThere are different places where hydroponic system plans can be found, either for free (DIY) or for purchase at a retailer. There are companies that will sell hydroponic drip systems pre-made. These systems can be more simple than trying to follow a plan to build a drip system. Building a system from scratch, although fairly simple, still leaves the possibility of not doing something correctly which will make the system ineffective. Buying a pre-made system allows you to have a system that is up and running quickly and that is guaranteed to work for years to come.Wick versus DripThere are two systems that are most commonly made from scratch and those are the wick system and the drip hydroponic system. The wick system is very simply constructed. It uses a tray that holds the plants which sits on top of the reservoir that holds the water and nutrient solution. These two pieces are held together by a wick which allows the water solution to transmit these elements into the tray with the plants. The down side to this system is that there is not a way to regulate the amount of solution that is getting to the plants, which means that a small amount of plants can be grown at one time. This would make an ideal choice for someone wanting to grow a limited amount of plants or with very limited space.The drip hydroponic system is built in much the same way with the tray that sits on top of the reservoir. In this system, however, instead of using wicks to transmit the solution to the plants, there is a submerged pump system that transmits the solution to the plants at whatever rate the gardener sets on the meter. The solution goes into the tray a drip at a time so that there is a constant flow of nutrients without the plants becoming overly submerged like in other systems.There are benefits to using the drip hydroponic system, such as the fact that you do not have to monitor the system as often as other systems because the pump and timer handles everything automatically. Also, since the flow rate can be regulated, plants tend to grow larger, have a higher yield, and higher numbers of plants can be grown at one time in the system. One down side to using the drip hydroponic system is that it is more expensive than the wick system since the pump for the system has to be bought as well. However, this is a popular system, especially for use in greenhouses where larger numbers of plants are grown at a time. </p>]]></content:encoded> <wfw:commentRss>https://andtutsln.info/comparing-hydroponic-watering-systems/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>When to Turn Your Trading System Off and When to Turn It Back On</title> <link>https://andtutsln.info/when-to-turn-your-trading-system-off-and-when-to-turn-it-back-on/</link> <comments>https://andtutsln.info/when-to-turn-your-trading-system-off-and-when-to-turn-it-back-on/#comments</comments> <pubDate>Fri, 05 May 2023 12:04:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[body systems]]></category> <category><![CDATA[chop suey system of down]]></category> <category><![CDATA[lonely day system of down]]></category> <category><![CDATA[operating systems]]></category> <category><![CDATA[organ system]]></category> <category><![CDATA[organ systems]]></category> <category><![CDATA[solar system]]></category> <category><![CDATA[system]]></category> <category><![CDATA[system of down]]></category> <category><![CDATA[system of down byob]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[systems not goals]]></category> <category><![CDATA[systems thinking]]></category> <category><![CDATA[systems vs goals]]></category> <category><![CDATA[toxicity system of down]]></category> <category><![CDATA[writing systems]]></category> <guid isPermaLink="false">http://andtutsln.info/?p=69</guid> <description><![CDATA[One of the most difficult decisions that every automated trader has to make is when to turn the system off because its performance is starting to be questionable and when to turn the system back on because it is getting … <a href="https://andtutsln.info/when-to-turn-your-trading-system-off-and-when-to-turn-it-back-on/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> One of the most difficult decisions that every automated trader has to make is when to turn the system off because its performance is starting to be questionable and when to turn the system back on because it is getting back to profits. In this article, I will try to describe the way I see it.First of all, I need to say that this is one of the most difficult questions in automated trading. In the past, I made a lot of mistakes by turning the systems too early off or by turning them too early back on. To make things even more complicated, out of many ways that I have tried, there isn’t one rule that would stand out (negatively or positively) among others. Therefore, it is important to pick one and never break it.TURNING THE SYSTEM OFF1. Turn the system off when it exceeds 1.5 times of the drawdown of your backtesting equityI set this rule in my early beginnings. There are several important facts about it that I need to point out.First of all, this rule is good and bad at the same time. It depends on the backtest equity you use. In the past, I preferred to pick one optimization parameter set and apply it to the whole data history. More recently, I have started using regular reoptimization, when I combine several out of sample periods (each with different parameter set) and create one out of sample equity.Retrospectively, I must admit that in the case of one parameter set applied to the whole data history, this rule of 1.5 times of the drawdown wasn’t really the optimal solution. The equity of one parameter set was too “in-sample” – i.e. the backtested history was almost always better than live results (which is usual). Therefore I turned the systems off too early and experienced losses quite often – should I have the system turned on a little longer, the system would have, in most cases, recover.But you get completely different results when you use equity curve composed of several out of sample periods – as part of regular reoptimization. This equity is far more realistic in terms of what future results you should expect. So far it seems that this equity, composed of several out of sample intervals, is really realistic and the rule of 1.5 times the max. historical drawdown works very well in this case.2. To determine the moment when to turn it off, use Monte Carlo drawdownDespite the simplicity of the concept described above, I prefer the second method – using Monte Carlo analysis.Again, you need to consider if you work with equity that uses just a simple parameter set, or if you work with equity curve composed of several out of sample intervals.If we use a single parameter set for the whole history, then I find the Monte Carlo method better than the rule of 1.5 times the drawdown. When using Market System Analyzer for Monte Carlo calculation, you will get drawdown much bigger than 1.5x the drawdown and you don’t turn off the system too early. Moreover, what is really important here is that Monte Carlo really makes sense as the distribution of your future profits will be every time unique and different from the previous ones. So I consider Monte Carlo as a fundamental (and for me a primary) tool.Recently, I have started to incline more to using Monte Carlo, even on the equity composed of several out of sample periods. I agree that drawdowns that you will get using this method are not very nice. On the other side, the numbers will prepare you for the worst possible scenario, so that you can create your portfolio wisely and capitalize properly. This is the method I currently use. Though it is conservative, it matches my trading style.Most of the time I use equity curve composed of out of sample intervals, I run the Monte Carlo Analysis, note the 95% confidence level and the maximum drawdown that I get there is the point when I turn my system off – in case it is exceeded.This is the approach that makes the most sense to me.TURNING THE SYSTEM BACK ON1. Turn the system back on when the equity gets above the point when it was turned offWhen can I turn the system back on? It is even more difficult question then when to turn it off – at least for me. Many systems come back to life and start being profitable again. I have experienced this many times. One of the rules you can follow is to note the point when you have turned the system off and turn the system back on when the system gets above this point. Usually, the strategy continues in the drawdown for some time after you turn it off, but then it starts growing up again and quickly gets to the point when you turned it off. This approach I consider pretty aggressive, so let me get to the modification of this method that I prefer.2. Turn the system back on when it is “fully recovered”For a long time, I have used a rule to turn the system back on when it is fully recovered and makes new equity high. This rule works pretty well, even though the recovery sometimes can take up a year, or even longer. Still, I brought back several systems back to live trading using this rule and I consider it acceptable.What bothers me on this approach is that is too “binary” and also the fact that the recovery is sometimes so fast and so profitable that you miss some really nice profits. But on the other side, there is the previous method, which is really too aggressive for me.So, what I find to be the best approach is the combination of both.3. Combination of both using progressive position sizingThe rule is to turn the system back on as soon as it reaches the point when it was turned off (method #1), but start trading it with a minimum number of contracts. As the system recovers, we start adding some more contracts.Let’s say we have traded this system with three contracts. As soon as the system gets above the point when we have turned it off (or some acceptable level above this point), we start trading it with 1 contract. If the system recovers to the half of the drawdown, we add the second contract. And if the system gets fully recovered, we add the third contract as well.At the moment, I find this method to be the best one. Currently, it is my preferred way as it uses the best of both methods.THE RULE OF THUMBWhatever rule you decide to follow, the most important is to keep using just one rule. Be absolutely conscientious. I have a lot of students who lost a lot of money just because they didn’t turn the system off at the pre-defined point. They switched themselves to so-called “hope mode” and they started hoping that the strategy will turn up and start growing again. But this moment never came and their loss got bigger and bigger.You must be uncompromising in keeping of these rules and comply with them to 110%. It is painful to turn off the system, we have spent a lot of time on. But this is why we have a portfolio – we will always have systems that will fail, despite all our effort. We are not in a secure business, we are in the business with risks that we need rationally and professionally manage and control. The good news is that it is possible.Happy Trading! </p>]]></content:encoded> <wfw:commentRss>https://andtutsln.info/when-to-turn-your-trading-system-off-and-when-to-turn-it-back-on/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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