Archive for
September, 2010
by
prodigy73
on
September 30th, 2010
In this time of economic crisis, where Washington Mutual and Lehman Brothers, as well as other big banks, are in trouble, finding money is tough. It’s near impossible to find a bank in the U.S. that will let someone borrow money without substantial proof they can pay it back. However, this should not discourage those individuals with less than perfect credit reports. Bad credit home loans are out there for you to get.
Indeed, the criteria for qualifying for a home loan has become tougher, but a good credit history isn’t the only factor lenders consider when deciding to loan money. Banks have come to the conclusion that past banking practices have left an abundant amount of people with bad credit because they were given loans they couldn’t finish paying.
There are plenty of lenders offering bad credit home loans to people with poor credit. Having collateral, a steady employment history, a monthy income and good history of paying other bills are factors that could make your chances of securing a loan more favorable. If you have bad credit, you’ll also have to face the possibility that your interest rate will be higher to justify the risk to the bank.
With a new home purchase, if a person expects to qualify for a bad credit home loan, he or she will be required to make a significant down payment that will give the prospective homeowner some major equity upon closure of the loan. More money for your down payment is required by the bank if your credit is especially bad.
You can even get credit counseling services to better your chances of getting a bad credit home loan, as that will look good to your lender. By requiring that the borrower receive instruction on developing a budget that will meet all of their financial obligations and still leave them sufficient cash flow to deal with their needs, lenders reduce the risk associated with the loans.
Also, credit counselors will offer guidance to people so that they will not overextend themselves and have future difficulties with their credit histories.
Second mortgages are much more difficult to get, regardless of your credit history, even if it is excellent. If you would like to free up some of the equity in your home, but the balance of your mortgage is still large, it will be much easier to refinance your home than it will be to borrow against your equity.
Now that the economy is facing some troublesome times, and the unemployment rate is skyrocketing, there are plenty of people out there who need money but don’t have the credit to get it. This fact along with the fact banks are becoming much more careful about selecting who does and does not qualify for a loan can make finding a bad credit home loan more difficult. Don’t surrender; there are lenders willing to work with you if you take the time to find them and be willing to abide by their rules.
John is experienced in the field of bad credit home loans.
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by
sheryl5676
on
September 30th, 2010
The Bahamas – The Bare Essentials –
One of the most regular worries of travelers is whether or not they will enjoy the food native to the zone. various kinds of food are available in the Bahamas, from fish to fast food from restaurants. No matter what your tastes are, you should be able to find what it is that you enjoy throughout the stretch of your visit.
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The customary food that you will see being eaten in the Bahamas is seafood. Grouper is one of the most popular types of fish there, although also enjoyed are Red Snapper, Yellow Tail, rock lobster, crawfish, conch, and land crabs. Conch is known internationally to be one of the Bahamas’ most outstanding served sea food dishes. It can be stewed, served as fritters, put in chowder or salad, or deep fried as a delicious “cracked conch”.
One specialty regularly served for the first meal of the day is boiled fish and grits. Usually the fish is Grouper, chosen for its delicious mild taste, and white, flaky tenderness. Other specialties from the Bahamas include crawfish, stew fish, peas and rice, and Johnny cake for dessert. A conventional main meal in the Bahamas would have steamed fish, crab and rice, and potato salad and/or macaroni and cheese for side dishes. Desserts include pineapple or coconut tart, bread pudding, or Bahamian specialty guava duff.
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Several drinks are popular in the Bahamas. Soda is rarely found by the tap, and can be a bit expensive; a market in the nearby area will probably have it. “Goombay Punch” is the local soda. It tastes like pineapple, and is described as sweet by natives, and does not taste like cola. Malt beverages not containing alcohol are also very popular. As for alcoholic, Kalik, the nation’s beer, is served in places all over the islands. Rum is the liquor of choice.
In the Bahamas, you can expect to pay between $5 and $25 for your meals. For those too cautious to experiment, fast food is available in downtown areas from chains such as McDonalds or KFC. Restaurants typically sell American or British food, but in June, the famous Fish Fry occurs, when a variety of deep-fried seafood is sold. Service speeds are usually a little slow, but that’s because employees do their best to take care of patrons one at a time. Even without the polite service, the delay is more than made up for by the yummy food.
by
simplegirl
on
September 30th, 2010
A wedding invitation is the initial impression of the wedding. A correctly designed wedding request will make sure that the guests understand the subject and create an suitable reply from them. Hence a wedding request needs particular care when they are being designed, therefore if you want to have your wedding during winter, you may want some great blank wedding invitations. What do you presume when you think of this time of year? Obviously, winter says ‘cold’, but you cannot create an request that is chilly. In the other way round, winter also signifies drinking scorching coffee next to the fireplace in your cozy house. The invites as well ought to inspire the heat and joy that you and your future partner for life are experiencing.
by
zmktwzrd
on
September 29th, 2010
Trading Systems Optimization
To the new trading systems developer one of the most exciting things to play with is optimization. Optimization is using the power of the computer to look at every possible sequence of parameters and rules, and then using only those rules and or parameters that have worked the best. With enough computer crunching power, it is possible to find systems that perfectly “predicted” the past. We can run number crunching PC’s on automated routines and have them analyze billions of bits of data while we are sleeping! Many traders do this long enough and later “discover” the holy grail of trading systems. They jump into the markets with their new super predictive algorithms only to find they fall apart in real trading!
Trading Systems Optimization Failure
“What happened?” they ask. The answer is that what they created was likely a trading system that was a statistical coincidence (known as a “curve fit”). Curve fitting is where you force a system to conform to historical data. The problem is that the markets will behave much differently moving forward; therefore, a “perfect” trading system could be useless. For example, your computer finds the perfect dates historically to have bought and then sold the market. These dates are likely coincidental and have no future value, yet sometimes people will base a system on them. This is a clear example; however, most curve fits are some complex form of this basic concept.
Let’s look at another flawed example. Assume we wanted to optimize nickels that were most likely to land on heads. What we could do is flip millions of nickels and only select those that landed on heads. Then, we can take those remaining nickels and flip them again, once again only choosing those that land on heads. We could repeat this process over and over again each time only choosing those nickels that land on heads. At this point, we might conclude that we had narrowed down our nickels to only a small handful that were “optimized” to land on heads. We could then go out and wager large bets with those nickels putting all our money on heads. We would quickly make a fortune, right? WRONG!
We would quickly lose our money. Those nickels were not optimized for heads; they always had 50/50 odds. What might have confused some is that they thought they had found predictable nickels. All they found was a statistical coincidence!
Trading Systems Optimization Reality
Because there is so much data, and so much computing power available, these kinds of errors find their way into trading systems all the time. When developing a system it is imperative to avoid optimizing as much as possible. You need to find NON curve-fit, robust systems. There can be a place for some types of optimizing, but it must be handled correctly.
We design all our systems in a robust way that we feel avoids the optimization pitfalls of so many other systems.
Feel free to email or contact us with any questions or comments on this subject.
Dean Hoffman
DH Trading Systems
by
fbgnetwork
on
September 29th, 2010
The act of fishing has gone through several changes over the centuries. It began forty thousand years ago during the Paleolithic era when hunter-gatherers contrived methods of catching fish intended for sustenance. Since then fish has remained a vital staple within the diets of individuals near both fresh and saltwater throughout the globe.
There are several methods to prepare fish for consuming as soon as they have been caught. Fish may be baked, fried, cured, smoked, dried and eaten raw. Fish meat contains high quantities of protein and vital oils however is low in saturated fats.
Fish may be caught along with fishing lines, net, and traps. They can be caught to nourish a family unit, or harvested on a large scale to give food to 100′s of individuals. Most recently fishing has turned into commercialized. Large fishing fleets dredge the ocean to meet the high demand of fish markets. Fish are actually farmed by farmers and offered in huge quantities to eating places and grocery stores.
Fishing has more recently evolved from a technique of survival to a sport loved by tens of millions of individuals all around the globe. Even though a lot of sports fishermen keep and eat what they catch, many people at present practice catch-and-release. After a fish is caught, it is released again into the wild without permanent harm. Fishermen may be discovered fishing from the shoreline, piers, or boats on both bodies of fresh and saltwater. In several places fishing is regulated to guard the populations by means of requiring the fishermen to purchase licenses or permits. Various fish could legally be caught just during certain times of the year. This leaves the fishermen a lot of free time to dream of catching fish.
Online fishing games have become a well-liked alternative for the true thing. Anglers with world wide web access could nowadays sit down and practically fish for the large catch right from their chairs. several Online fishing games are free, and the large selection of games keeps them engaged for a few hours.
Play vast quantities of girls games and makeover games today!
Fishing has evolved from just fishing for meals to give food to a family unit, to fishing for fun in front of your own laptop. One thing remains the same. There’ll always be stories with reference to that really large fish that got away!
by
kthlp
on
September 28th, 2010
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by
sheryl5676
on
September 28th, 2010
The Bahamas – Basic Travel Information –
Officially called the Commonwealth of The Bahamas, this set of 29 islands, 661 cays, and 2,387 islets is truly a treasure of the northern Atlantic Ocean. It is situated above of Cuba and Hispaniola, or the Dominican Republic and Haiti, and south of the United States. The largely English-speaking country is 5,382 square miles in land mass, with a population of around 330,000.
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Its perfect winds and tranquil waters have given it a reputation for sailing all across the world. Racing events by boat are held all throughout the year. Sports fishermen visit for a chance to try their hand at the legendary Bahamian game fish. Over 50 records from various countries have been shattered by fishermen while they were in the Bahamas. The Gulf Stream, home to some of the world’s most impressive marine life, actually originated in the Bahamas. One of the islands of the Bahamas, Bimini, was actually the home of well-known author Ernest Hemingway.
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Tourists also are drawn to the Bahamas by the similar factors that send fisherman and sailors. These people spend their time in underwater parks, snorkeling and diving rather than fishing. Five percent of the globe’s coral reef belongs to the Bahamas, a beautiful site indeed.
Just as amazing, however, are the multitude of beaches all throughout the country. The Bahamas is host to some of the world’s most gorgeous and pure beaches. From the Exumas, San Salvador, Eleuthera, and Harbour Island, there is plenty out there to explore. Gardens and parks are only some of the other attractions that await visitors further inland.
One of the most enjoyable parts of the Bahamas are the people who live there. They are always welcoming to new-comers and tourists of all kinds; they are willing to share their history, culture and food with visitors. There will be enough cracked conch, the country’s famous sea food, and story-exchanging for everyone. The Bahamas Ministry of Tourism puts together genuinely real experiences with their People-to-People program. During your visit, you could discover a new love for the area, or even develop a life-long friendship with someone living in the area.
by
simplegirl
on
September 27th, 2010
No matter how old or young you might be, you should celebrate your birthday and have some fun. For elderly people, there aren’t limits. Actually, you could find particularly designed birthday party invitations for ages forty, 50, 60, 70 and also higher. Make sure you have a very fantastic time and that you invite all your neighbours and household members. Invitations really should contain the subject with the get together, should you selected one, and include details with respect to time and place.Come up with a wise and humorous wording and have a fantastic period at your get together, no matter how old you might be.
by
Santos Mccoy
on
September 27th, 2010
So you you’ve broken up with your boyfriend, maybe it was his fault, maybe it was your fault, it doesn’t really matter, all you know is you badly want him back. Well don’t sit there waiting for the phone to ring, take matters into your own hands to get your boyfriend back, otherwise you may lose him for good. how to get your ex girlfriend back
Now this doesn’t mean you should rush to make that call yourself, you see you need to have a strategy to get your ex boyfriend back and keep him for good. You need to play it cool, but not to cool. how to get your ex back
Men (and women for that matter) are more likely to pursue you if you play a little hard to get, rather than if you act all desperate and hound them. Most people well be put off by someone who resorts to begging or harassment, you will either end up being used as you are too willing to please or they will end up avoiding you if your too full on.
If you have just broken up with your man, forget him for a while, a few weeks at least, go about life as normal, enjoy yourself, and above all else don’t exhibit outward signs of the longing you are holding inside. If he visits you during these weeks (trust me his curiosity will get the best of him) or calls, play it cool, don’t answer the phone most of the time and turn down offers of dinner or fooling around.
Once this has gone on for a few weeks, your ex boyfriend will be going crazy, wondering what you are doing and in particular who you are spending time with when you are unavailable to see him or answer his calls.
Now you have him where you want him, arrange to go on a date, that doesn’t appear to be a date, a simple coffee at the coffee ship or help with moving some furniture for example.
Not only will you get your ex boyfriend back but you will now be in a position to garner an even better relationship, one in which you have a lot more power.
by
fbgnetwork
on
September 27th, 2010
Enjoying video games can be an invigorating and even addictive experience. When you start enjoying you never would like to stop. The irresistible call to make it to the next stage entices your mind to carry on. However when it comes getting your next fix, the most recent video game on the market maybe, or something recommended by a good friend, high costs can really get in your way.
Thankfully for you a three month stay in video game rehab is not needed. You can begin saving money and still enjoy taking part in games you like with out having to purchase a new and enhanced gaming system or new games. The one thing you require is a laptop computer. Therein multiple alternatives of entertainment await you.
1. There are plenty of games accessible online that can be downloaded for absolutely free. No matter what your preferences are there is sure to be something accessible that may intrigue any variety of gamer out there. To name a couple there are hunting games, shooter games, and doll games.
Play multitudes of motorcycle racing games and shooting games every day!
2. There are likewise a lot of movies which have been based mostly on video games available so that you can watch. They’ll bring the games’ characters to life and add an entire new level to the adrenaline rush of Enjoying a video game. You will find them on numerous web sites, or if you have a DVD you would like to play it may be inserted into the disk drive in your computer.
3. Music is a superb accompaniment to Enjoying free on-line games. Listening to several your favorite songs could make you much more relaxed and in focus. Or some more revitalizing songs would get you hyped up to forge on to the next level. No matter what your choice may be there is a lot of free songs available and various and plenty of on-line radio stations to listen to. There has been plenty of inflation in video game game} costs lately. Don’t forget to do your self a favor and save money. You probably can decrease the drain in your funds that the addicting games are causing with out sacrificing the recreational fun you have been having. Just fire up your laptop computer and have fun!
by
sheryl5676
on
September 26th, 2010
The Bahamas – Basic Travel Information –
Visitors of new places often wonder beforehand if they will like the food that is native to that area. The Bahamas offer a multitude of food, from fast food to exotic dishes in fancy restaurants. It is very unlikely that you will not be able to hit upon something that you enjoy during your stay.
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The ordinary food that you will see being eaten in the Bahamas is seafood. Grouper is one of the most popular types of fish there, but also enjoyed are Red Snapper, Yellow Tail, rock lobster, crawfish, conch, and land crabs. Conch is a great favorite of the Bahamas as well. Conch is served in salads, chowders, stewed, made into fritters, or deep fried as “cracked” conch.
One specialty often served for the first meal of the day is boiled fish and grits. Grouper is most often boiled for its mild flavor and white, flaky tenderness. Other specialties from the Bahamas include crawfish, stew fish, peas and rice, and Johnny cake for dessert. For a everyday meal, potato salad and macaroni and cheese supplement steamed fish and crab and rice. Pineapple or coconut tart make for a sweet dessert, as well as bread pudding and the Bahamas’ precious guava duff.
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The Bahamas offers many different kinds of drinks on their islands. Soda can be moderately expensive, and isn’t commonly found by the tap; a market in the nearby area will probably have it. “Goombay Punch” is the local soda. It tastes like pineapple, and is described as sweet by natives, and does not taste like cola. Malt drinks containing no alcohol are also regularly served. As for alcoholic, Kalik, the national beer, is served in places throughout the islands. Rum is the preferred liquor.
Meal prices range from $5 to $25 in the Bahamas. McDonalds and KFC are available in downtown city areas. American or British food is usually sold, but June brings with it the renowned Fish Fry. Service is usually given at a deliberate pace, but it’s worth it: the utmost care is taken of patrons. However, it’s all worth it in the end when the food arrives.
by
Plazza
on
September 26th, 2010
A career change is a very important aspect of each and every person’s life. If at all you are planning to get a good employment opportunity in the mining industry for example, you need to go in and plan for a suitable career. Career development and career planning are actually meant to help you build up a successful career plan. Now-a-days, people have started switching on careers from one field to another. This is done due to the rising competition amongst the working class people. In today’s world of competition, each one wants to prove himself far better than the other and so changing careers for better prospects in an individual’s personal career is the only good choice. Many people switch over their Career from accountant jobs to sales job, from mining jobs to customer service jobs, and so on
by
zmktwzrd
on
September 26th, 2010
Managed Futures
Over the last seven years, the amount of money invested in managed futures has more than quintupled! According to hedge fund tracking firm Barclays, assets under management rose from about 41 billion dollars in 2001 to more than 219 billion dollars today!
As worldwide demand for commodities continues to heat up and more investors (institutional and individual) start seeing commodities as a sensible investment vehicle, we expect this trend to continue. This growth has also raised the need for ways to select a Commodity Trading Advisor. In this article, we will outline what we believe are some of the best tools, and methods available to the individual investor when choosing a managed futures product.
Managed Futures Defined
Let’s first define what managed futures are and what they are not. Managed futures are not stocks or ETF’s that just invest in commodities. Managed futures accounts are investments in which funds invest in mainly leveraged, future dated contracts for commodities or financial instruments. Commodities can include sectors such as food, energy, raw materials and financial instruments like interest rates and stock indices.
The leverage, risks and rewards can be (but are not always) substantially higher when investing in the futures markets vs. the stock market. The National Futures Association and the Commodity Futures Trading Commission regulate managed futures investments in the United States (unless the firm / fund have “exempt” status). Regulated firms hold a Commodity Trading Advisors (CTA’s) or Commodity Pool Operators (CPO’s) license, but keep in mind, just because a firm carries a license is in no way an endorsement of future performance. Futures trading can carry large potential risks and is not for everybody. Investors should be familiar with all the risks before investing.
Finding lists of potential managers to sort through is fairly easy if investors know where to look. Firms such as Barclays Trading Group, Stark Research, Autumn Gold and Altegris Investments have databases of manager information available. One resource we like is Autumn Gold. Autumn Gold summarizes a free (with registration) online database of over 450 programs. Also, the programs can be sorted by a wide range of parameters such as minimum account size, funds under management, and various performance measurements.
The only problem we see with the online databases is that it can become somewhat overwhelming to try and narrow down your choices to just a handful of managers. To help simplify the process, we would like to share what we think are some of best performance metrics.
Managed Futures Evaluation
The first recommendation is to forget return! The least significant statistic often is a manager’s return. How can that be? What matters is RISK ADJUSTED RETURN. Just because somebody bet the farm and got lucky does not mean it was a nifty idea. Sooner or later (most often sooner) the inevitable wipe out will occur with a manager betting too aggressively.
There are many traditional risk adjusted return measurements, the most popular of which being the Sharpe ratio. The Sharpe Ratio compares the return relative to the underlying volatility in the investment. Although we are in agreement with the Sharpe Ratio’s logic, we feel it has one serious flaw. The flaw is that the Sharpe Ratio only views past volatility and does not try and predict future volatility. As a result, we feel the Sharpe ratio does not give an adequate view of the potential risks involved in a program.
A good example of this comes from the world of the “option writers” (those who sell options). Since most options end up expiring worthless, it is not uncommon for managers that sell options to have excellent Sharpe Ratios. They can have smooth looking equity curves that have produced for many years, but just because an equity curve looks smooth and consistent does not mean it will stay that way. What happened is meaningless if new investors do not have the same results. Option sellers with longer term excellent track records tend to have quick, spectacular “blowups”. The problem is that past volatility is not a reliable predictor of future volatility.
What is a reliable predictor? One of the best volatility predictors is the “Margin to Equity Ratio” (MTE). The MTE tells an investor roughly how much of their investment would be used for margin purposes. This number will vary day-by-day for a given manager, but investors can get the average range. If, for example, a managers MTE is 10%, this means that for every $100,000 invested the manager uses about $10,000 of this for margin. Keep this in mind; the exchanges set margin based on their approximations of risk. The higher the exchange perceives the risk in a contract the higher the margin they set. We encourage thinking just like the exchanges and raise the expectations for potential risk as the MTE goes higher. If we go back to the example of the option writers with exceptional Sharpe ratios, investors will also see that they often have high MTE ratios. We believe that these high MTE ratios were the tip off that could have avoided many disastrous scenarios. Once again, just as the exchanges often raise margin requirements as their expectation of volatility rises, so too do we see the potential for volatility (risk) to be higher as the MTE rises.
Another important use of the MTE comes down to pure math. If there were two managers that made $30,000 returns, yet one used $30,000 in account margin to do it, and the other used $60,000 in account margin to do it, then the results are different. Based on margin usage one manager’s return was twice as high as the others. This is essential to keep in mind, because often managers can appear to have similar performances, but when digging down into their margin usage investors will see large differences.
What is an ideal MTE? We do not like to see margin to equity ratios much above 10%. This is on the low end of the spectrum for managed futures accounts and cuts out most managers. Although it is true that low MTE ratios are no guarantee of lower risk, we feel that, at the minimum, it is possibly a decent gauge of sound risk management. Once again, we believe that as the MTE rises so does the potential for risk. There is also a related risk measurement often referred to as “portfolio heat” that uses similar concepts.
In summary, what we suggest is that potential investors compute returns not based on what the manager reported, but rather based on the return on margin (risk and drawdown should also be computed the same way). This will level the playing field and allow an apples-to-apples comparison. We are also in favor of being on the conservative side of the MTE spectrum, for us that means that we would likely reject any manager with a ratio above 10%. Using this method can help narrow down the list of choices to a manageable number rather quickly. After doing this then look and compare all the other risk adjusted performance measures and further refine your selection. (At this risk of this article being too long, we will save the other risk adjusted performance measurement discussions for future installments).
We want to caution once again that, in the end, no measure is a guarantee or assurance against risk or losses. Past performance is not always indicative of future results. Futures’ trading involves risks and is not for everybody. We are simply sharing what we feel is the best method by which to select a manager.
Dean Hoffman
Hoffman Asset Management, Inc.
by
sheryl5676
on
September 24th, 2010
The Bahamas – Basic Travel Information –
A jewel of the Atlantic Ocean, the Commonwealth of The Bahamas consists of 2,387 islets, 661 cays, and 29 islands. Its location is south of the United States, just a plane ride from Florida, and southeast of Cuba and Hispaniola, or the Dominican Republic and Haiti. Carrying a nation of an estimated 330,000, this English-speaking country has a full landmass of nearly 5,400 square miles.
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The Bahamas are known around the globe as a famed sailing region due to its superb winds and typically relaxed waters. During all four seasons, many different boat racing events are held. Sports fishermen visit for a chance to try their hand at the legendary Bahamian game fish. Over 50 records from various countries have been shattered by fishermen while they were in the Bahamas. The start of the Gulf Stream, where some of the world’s most extraordinary sea creatures can be found, is in reality in the Bahamas. One of the islands of the Bahamas, Bimini, was actually the home of well-known author Ernest Hemingway.
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What draws fisherman and sailors to the Bahamas is the same force that brings tourists. Snorkeling and diving at underwater parks are the main attractions here, rather than weather conditions and game fish. Five percent of the globe’s coral reef belongs to the Bahamas, a beautiful site indeed.
But before you actually get to the water, you must first take in the wonderful experience that the beaches have to offer. Of all the beaches in the world, a few of the most lovely are home to the Bahamas. There’s no shortage of sand to delight in, whether it be Harbour Island, Eleuthera, San Salvador, or the Exumas. Further inland are attractions such as gardens and parks home to beautiful, uncommon animals, such as the Abaco Parrot of the Abacos Islands, or the endangered Bahamian Iguana.
Among all the features of the Bahamas, the people there are always very appreciated. They are always welcoming to new-comers and tourists of all kinds; what’s theirs is yours all throughout the duration of your stay. Sit down with a plate of cracked conch, their signature dish, and get settled in for stories of mystery, adventure, and fun. The Bahamas Ministry of Tourism puts together genuinely real experiences through their People-to-People program. During your stay, you could discover a new passion for the area, or even develop a life-long friendship with someone living in the area.
by
mlamers
on
September 24th, 2010
“The OCAI advances knowledge and encourages reflection,” as said by Janet Gillespie. She is an operational manager in the Health Care sector. “We learned that we have a prevalent clan culture—more than I imagined. A friendly working environment is essential. A private hospital was understaffed regardless great salaries, as doctors and patients were bullying the nurses.”
Lots of colleagues at the rehabilitation center did the free of charge OCAI cultural assessment online. “Some people began so it happened quite spontaneously. Next, the other staff members were informed,” Gillespie states.
It took off as an interesting debate on the results. “We understand our clan culture around here. We have been operating in self-managed teams for some time now. The teams schedule their work within the overall policy and determine their own activities. So people have to seek advice each other a lot. This works out extremely well with clan culture.”
“The clan culture goes well with me too,” Gillespie clarifies. “Being part of an good team gives you wings. When working together in agreement, two people can do the work of four.”
“But I would have imagined market culture to be my number one culture because I like to achieve results. It came across different after wrapping up the questionnaire. This really gave me more insight in my own working values. What do I really want? When I have to choose between friendly clan culture or result-driven market culture what is significant?”
More respect less pay
Janet Gillespie describes an anecdote that indicates how significant organizational culture is for personnel and patients. “I went to South Africa some time ago. It is so different from our state. I was a bit shocked by the immense poverty, insecurity, and shortage of nursing personnel.
I visited both a state hospital and a private hospital. Because they pay better salaries at the private hospital you wouldn’t expect them to be low on staff. Patients were coddled and it seemed to look nice. And here’s the thing: it was simply not true! The fact is the hospital failed to have a pleasant working climate. Patients gave nurses orders and doctors behaved like they were king. They were thinking like: I pay for it and I want to be served well.
At the state hospital on the other hand, doctors and nurses were working together as a team driven by the same idealism. They had a nice time even though they got less salary.
Working together with emphasis on care for people: that is what clan culture signifies. This is the reason why people may feel less negative about work pressure and a small salary compared to a market culture. Clan culture makes staff members feel esteemed. They are taken seriously and have the feeling they make a valuable contribution.”
by
LinxH
on
September 23rd, 2010
force from your solar making use of collection boxes and employed the temperature to cook food. Photovoltaic electrical power mostly includes accumulating light-weight and warmth from the sunlight rays and working with it both in homes and in offices for rather a lot of employs. Get more facts at diy solar power. According to studies a especially tiny portion for the high temperature through the solar is in fact becoming transformed into electrical power. This is primarily because some people today in developed international locations have all the electrical power they demand that they will not see the point in harnessing stamina through the sunlight despite the fact that other nations will not have the technology necessary to do it. Source: homemade solar panels.
by
zmktwzrd
on
September 23rd, 2010
A Trading Systems Worst Case Analysis
Somebody once asked me “if there were only one performance report I could look at to decide about a trading system what would it be?” My first reaction was that this was a silly question. There are many factors that must be considered when choosing trading systems. There are numerous performance indicators and ratios. Things such as average annual return, maximum drawdown, Sharpe ratio, margin requirements, robustness, the lists are long, but, there has indeed been one report that I have come to rely on more than any other report. It is a report that has given me more comfort and confidence as a system trader than any other report. If I knew a system was properly created, I could almost use this report alone to decide about trading it! So what is this report? It is a “Start Trade Report”.
A Trading Systems Start Trade Report
In my opinion, the start trade report gives the most robust three dimensional view of trading systems possible. It cuts through so much of the pitfalls in traditional analysis. It even cuts through the nonsense involved in looking at real-time performance. I can hear it now “wait a minute, how can real-time performance be argued with?” Let me give an example with one of my systems Synergy. In May of 2003 Synergy started a trade in London Copper. The trade became the most successful trade of the year. As of this writing, (March 7th 2004) the trade has profits of over $25,000 a contract. If a trader were using position sizing, he might have had on 2 or 3 (or more) of these contracts, but had they started a week or even a day after this trade they would have missed it! Two investors trading the same system with the same amount of money and the same money management rules could show a $25,000 or $50,000 or $75,000 (or more) difference in their account! They might have only started one day apart! This can create tremendous confusion, because one broker’s real time accounts could be far different from other broker’s real time accounts with the same trading systems.
Misleading Trading Systems Reporting This phenomenon can also be used for disingenuous purposes. It is possible for a trading systems vendor to cherry picked the best historical starting date. He can choose a date right before a huge winner (or series of winners). This can cause it to look as though the system needed little original starting capital and that the return on invested funds was enormous. The first winners financed trading. However, what if trading had started on a different date? What if a trader had started on a date that was right before a series of losers? They might have needed 2 or 3 or 4 times the starting capital than they would have had they started on a different date. The return on invested capital would be much less, or, they might have lost all their investment before earning the profits shown.
Even if a broker or vendor shows an average of several accounts this can still be a meager view. They could still cherry pick the 3 or 4 accounts and their different starting dates, or they could have so few accounts to average from that the data suffers from what statisticians call a small sample size (This means not enough data to draw any valid conclusions.)
The worst offender would be if a disingenuous brokerage or vendor were pushing day trading systems because of the high frequency of trades and commissions it generated and then used some cherry picked “real time” accounts to “prove” that it worked.
The point I am making is that there are countless ways that start dates can impact performance, both in hypothetical reports and real-time performances. Traders need to have something robust.
A Trading Systems Solution What’s the answer? Well, in my opinion it is the start trade report. What the start trade report does is tests various systems hundreds or thousands of times over the given period. Each test it starts on a new date that coincides with a date that traders could have taken a new trade. If there were 2000 trades over a 10 year period, then it will retest the system 2000 times starting on the date of each new trade every time. It also resets the equity back to the original starting amount with each test. This is crucial because when using position sizing traders may skip some trades in the beginning when the equity is small. It is not correct to look at the results of trades that a trader would not have taken. I have sometimes seen brokerage firms report on trades my system generated that many of my clients would not have taken (based on their account size.) For example, a $3,500 losing trade in a system where most clients would have skipped any trades with risk above $2,000. The start trade report knows to skip trades at the right time based on the traders starting amount. This report can also let traders evaluate performance based off of the margin required. What this allows traders to do is see ALL the outcomes, rather than just one.
Trading Systems Start Trade Report Summary
A few things a Start Trade Report can show traders are:
1. What percentage of the first 12 months were profitable over 2000 different starting dates?
2. What was the average first year performance when averaged over 2000 different starting dates?
3. How much money did my account need if I started on the worst possible date?
4. What was the average account size I needed to trade the system over 2000 different starting periods?
5. What were the average and the most I ever went under my original starting amount? (This is different from maximum drawdown)
This report allows traders to filter out so much of the garbage seen in typical performance reporting. It filters out so many errors in reporting “real time” performance based on a small sample size or “cherry picked” starting dates and accounts.
I hope traders can see that this information is invaluable. I honestly do not know how a trader could ever trade any trading systems without it. Traders can see how much comfort and confidence this can build when they have looked at a system in this much detail. When I started trading, this is he report that gave me incredible peace of mind. It was the only report that comforted me when there were drawdowns. It allowed me to know whether we were in the normal ranges of the bell curve. It also gave me a realistic range of outcomes to expect in the first year of trading.
We believe that providing traders these reports gives them an incredible edge and builds confidence. Traders need this confidence when the inevitable drawdown comes. In my own personal case, I’m able to remain calm during those times because of these reports. To get a copy of the start trade reports please email us.
Dean Hoffman
DH Trading Systems
by
sheryl5676
on
September 22nd, 2010
The Bahamas – Basic Travel Information –
A jewel of the Atlantic Ocean, the Commonwealth of The Bahamas consists of 2,387 islets, 661 cays, and 29 islands. The area lies north of Cuba, the Dominican Republic and Haiti, and south of the U.S., near the peninsula of Florida. The Bahamas encompass a total of 5,382 square miles, with an approximate 330,000 citizens living there. Its official language is English.
Helpful Tip – Make use of the World wide web to learn about Bahamas travel
Its perfect winds and calm waters have given it a fame for sailing all throughout the world. Racing events by boat are held all throughout the year. Sports fishermen are driven to the area by the legendary game fish that live there. In their search of the “big one” fisherman have set over 50 international records off the coast of the islands. The Gulf Stream, what a certain number of the most amazing sea creatures on earth call home, actually originates in the Bahamas. One of the islands of the Bahamas, Bimini, was actually the home of well-known author Ernest Hemingway.
Beneficial Suggestion – Take advantage of the Internet to be able to get vacation destination ideas
What draws fisherman and sailors to the Bahamas is the same force that brings tourists. Snorkeling and diving at underwater parks are the main attractions here, rather than weather conditions and game fish. Five percent of the globe’s coral reef belongs to the Bahamas, a beautiful site indeed.
But before the reefs are the beaches, which are all beautiful enough to hold their own. Of all the beaches in the world, a few of the most lovely are home to the Bahamas. There’s no shortage of sand to bask in, whether it be Harbour Island, Eleuthera, San Salvador, or the Exumas. Visitors regularly make stops are other attractions, such as the parks and gardens that lay nearer to the area’s mainland.
One of the most enjoyable parts of the Bahamas are the people who live there. They are always welcoming to new-comers and tourists of all kinds; food, history, and culture is explained and shared to all those they spend time with. Once you’ve gotten comfortable with a plate of their famous cracked conch, stories are told all around. The Bahamas Ministry of Tourism puts together genuinely real experiences through their People-to-People program. Visitors often grow into a newfound love for the nation, as well as connections with people that will last a lifetime.
by
thenewb
on
September 22nd, 2010
eBay is a good place to start in your search for metal detectors. Because you are able to see so many different machines at different quality levels and price points, you can really compare what’s out there on the market effectively. Although you are not able to put your hands on a metal detector when you go to eBay, it is a great place to collate more information on various machines right before you make a purchase. When buying a metal detector, even on ebay, you want the chance to actually put your hands on it and try it out, because chances are if you’re buying a metal detector you’re going to be using it for a while. Of course, you want what you will buy to be reliable, convenient and highly functional. The only way for you to do this is to actually test the machine out personally.
The metal detectors ebay has for sale should be some of the same ones that you can find in local stores. For this reason, eBay is the right place for you to do your market research, figure out the features of the machine you want and you may even find out about the fair price in the market. That way when you go to the local store selling the metal detector you like, you’ll know everything about it before you take it for a “test drive.” You will even know how much to offer.
There are however some metal detectors eBay lists that don’t have the popular origin and quality. If you decide to go this way and buy something that has no fixed origin and quality, then be prepared to get what you have paid for. The best metal detectors that are part of the eBay list are those that have been backed by established makers such as White’s or Garrett’s. Make sure that if you are going to go the ebay route to purchase a brand name machine with a good warranty.
In short, ebay’s a great place to do your due diligence and understand what machines are out there on the market. eBay can be the excellent place for researching pricing details to buying a brand name machine if you in the search of a metal detector. But don’t underestimate the local store since there’s no substitute for testing before you purchase and eBay can’t offer you that.
by
simplegirl
on
September 22nd, 2010
The bridal shower is certainly a extremely important occasion, for this reason you ought to be aware that bridal shower invitations wording is excellent and might be fascinating for all of the invitees. If you’re possibly not comfortable in what to create in your invitations, you can look for assistance from a wide variety of sources. Look for for friends who have enough time period and share the passion for this sort of work. Or you can seek professional help. Bridal shower offers turn out to be a huge sector and then a amount of event organizers present an individual solutions at attractive fees. The net also is really a wonderful reference for searching up various trial bridal invites. You can easily lookup for some zero cost samples and also write the invitation or seek help from firms for a modest price.
by
Plazza
on
September 18th, 2010
In geological jobs mining methods an airphoto interpretation can give a broad overview of the geological relationships of an area with no detailed knowledge of the mineral composition or fabric of the rocks.
A mines outcrop survey is normally achieved by geologists driving along roads and walking traverses along creeks and rivers mapping the outcropping rock types. This can give a regional view of the rock types and their mineral content and fabric, but often no clear understanding of the relationships between rock layers (unless outcrop is exceptional).
Geology interpretation surveys-these are more detailed outcrop surveys where geological boundaries are established and interpreted in a small area.
by
imerslve
on
September 18th, 2010
There such a wide variety of face wrinkle creams and wrinkle products in general available on the market today. Many of them make bold claims as to what they can do for your skin when in truth they are nothing more than a glorified moisturizer. Some of these creams actually do however provide a real solution to reducing the visible signs of aging of which wrinkles are a part. You just need to ensure you are doing your research properly and looking at the facts and not just the hype. Finding a face wrinkle cream to suit you though doesn’t have to be difficult though. The great thing though is that often there are a number of introductory offers that you can look to in order to test before you commit to an expensive treatment.
