How You Can Learn to Trade on Rules-Based Trading

We are creatures of habit. Habits form patterns that become rules of a sort for how we live our lives in a dependable way.

One of the most compelling illustrations of this is Danish photographer Peter Funch’s “42nd and Vanderbilt” project. He stood at that corner in New York City and from 8:30 to 9:30 a.m. between 2007 and 2016 took photos of commuters on their daily pilgrimage. Many of them were the same people, day in and day out, just more grey and grizzled over time. Their faces always had the same expressions, mostly grim. Many wore the exact same shirts in 2016 that they wore in 2007, or shirts in a similar color and style. They also consistently did the same things, like holding a to-go coffee cup the same way.

That sort of habitual consistency is also frequently seen in the stock market. People who figure out how to read the patterns and act accordingly can make a lot of money, and because of that consistency, they can do so in a way that mitigates a lot of the risks of playing the market.

It’s called rules-based trading, and I should know because it’s a strategy I’ve used and share.

Rules-based trading is really a dependable approach for beginners and those with a low appetite for risk. It’s quite simple, actually, for those who do their homework and who are mindful of and keep to schedules.

It’s a way to piggy-back off the seasonal buying and selling that marks the activities of the institutional investment community, and reflects both bullish and bearish environments. Here are some examples.

On the bull side, take a look at Rockwell Automation. Between Nov. 13 and Dec. 26 in 21 of the last 23 years, the stock has gone up, with an average return of 5.76 percent. The return on options plays: 50 percent to 100 percent.

On the bear side, there’s Skecher, whose stock has declined between Sept. 14 and 27 in 17 of the last years, showing an average 6.82 percent decline. Putting options on that play will get a return of 50 percent to 100 percent.

Here’s why this system is a good one to put in place. You know what you’re getting. It’s designed to “set and forget.” You place your trade and don’t do anything more with it until it’s stopped out, the target is reached or you hit a trailing stop loss. You’re set as long as you keep it all within the precisely defined windows.

You avoid the psychological pressures of trading, but still get the fun of watching how it’s going without having to constantly be monitoring and analyzing new information. However, you do have to do your homework to identify likely targets (through data available on platforms like Yahoo Finance and Bloomberg) and apply the option strategy that fits.

Rules-based trading is an excellent way to build market knowledge and discipline that, over time, you’ll be able to take to the proverbial bank.

Certus Trading makes it easier to get into rules-based trading with our Profit Scheduler Club for options. We do the data analysis and show what options strategies will apply best, equipping you to comfortably make the trade.

A Few Things You Probably Didn’t Realize About Vacation Pay if You’re an Employer in Ontario

As an Employee, You’re Entitled to Three Weeks of Vacation Pay if You Have Worked With the Employer for Five Years.

In Ontario, there are minimum employment standards around vacation leave that gives rights to employees for time off with pay. While there are some job classifications that are excused, most employers must abide by the Employment Standards Act (ESA) when it comes to providing vacation with pay.

As of January 1, 2018, vacation time and pay splits employees into two groups based on the number of years an employee has worked with the same employer. Take a look at the difference in the minimum vacation time and pay:

Minimum Standard Less than 5 years  5 years or more 
Vacation Time Two weeks of
vacation time after
each 12-month
vacation entitlement year
Three weeks of
vacation time
Vacation Pay Four percent of the
gross wages (excluding
any vacation pay) earned
in the 12-month
vacation entitlement
year or stub period
(if any)
Six percent of the
gross wages earned
in the 12-month
vacation entitlement
year or stub period
(if any)

As an employer, you have the right to decide if you’d like to provide greater rights and privileges to your employees than what is required by the ESA. However, you absolutely cannot give or pay less than the terms and conditions listed above. If you do, you could be susceptible to receiving an ESA claim against you.

7 Things to Know About Vacation Pay in Ontario

Vacation pay is often a commonly asked topic that HR consultants get questions about. Here are seven things to know, in addition to the minimum standards for vacation leave:

  1. A vacation entitlement year is a recurring 12-month period; it can be tallied starting from the employee’s hire date or alternatively, around the calendar year. If it’s the latter, you must provide a pro-rated amount of vacation time for the period between the start dates of your employee and your calendar year; this is called a “stub period”.
  2. If an employees does not complete a full vacation entitlement year or stub period, employers don’t have to provide vacation time. However, employees do earn vacation pay as they earn salary or wages.
  3. Your employees must take vacation within ten months after finishing a vacation entitlement year or stub period.
  4. Employers must schedule vacation time in blocks: two or three-week blocks, or in one-week blocks of two or three. For shorter episodes of time off (i.e. one day), your employee may request to do so and the agreement can be made in writing.
  5. For most cases, earned vacation pay must be given in a lump sum before your employee takes the time off. However, there are several exceptions to this.
  6. In cases of termination, you are obliged to pay your employee their earned vacation that has not yet been paid. This is required within seven days of the employee exiting the workspace.
  7. If your employee asks for a statement of their vacation pay which is expected in writing, you must provide these records within seven days of the request.

For vacation periods, it’s important to follow the standards set out by the ESA and ensure that you are abiding by them. It’s also important to note that most employees identify vacation policies as a key part of their total package.

Sunil Tulsiani, the man who wants to make you a millionaire

If you want to be a successful entrepreneur, you need a mentor. Someone that has walked the path you chose and succeeded. In real estate investment, there are few people that are as qualified to serve as a guide as Sunil Tulsiani.

With names like Robert G. Allen and Robert Kiyosaki, the before mentioned claim might sound a little exaggerated. However, Mr. Tulsiani not only has achieved huge financial success during his career but he has also managed to develop an exceptional level empathy that makes him the logic choice.

According to more than a hundred recommendations on his LinkedIn profile, Sunil has helped several people learn how to create, maintain and develop stable sources of income. Moreover, many of his apprentices go on to become industry leaders and give speeches about real states investment. Or as Nam Ratna says:


“We hired Sunil as our mentor a couple of months ago and in less than 90 days, we had more than doubled our investment! Furthermore, my partner/brother has shared stage with Brian Tracy and my other partner is selected to share stage with Robert G. Allen in Toronto. 

I find Sunil to be down to earth, well connected and a top mentor!

We look forward to be part of Sunil’s 100 millionaire list.

Thank you Sunil!!”

As you can see, his clients not only trust Sunil Tulsiani but they also want to make him proud. This inspirational pattern repeats testimonial after testimonial which makes you want to learn more about the man.

Who is Sunil Tulsiani?

Sunil Tulsiani is an entrepreneur that has been reaping the benefits of a successful career in the industry of real estate investment in Canada. He and his family migrated to Toronto in 1981 looking for a better life.

During an interview with the Canadian Real Estate Magazine, he explained he and his family lived in a “difficult area of Toronto.” But he didn’t let the challenge of being an immigrant nor the toxic environment that surrounded him corrupt his convictions. And as soon as he could, he went on to accomplish his first professional dream: Becoming a police officer.

Being a minority in the force, Sunil Tulsiani had to work twice as hard as his colleagues, and after years of “catching the bad guys,” he attained the rank of platoon commander. But, after 15 years of sacrificing his personal life for his job, he needed a change.

So, he took a year’s leave and decided to become financially independent. He wanted to spend more time with his family.

With that goal in mind, Sunil started attending as many business conferences as he could, until he stumbled upon Robert G. Allen’s $5000 workshop. Not 7 days had passed, when Tulsiani purchased his first condo covering only 5% of the full investment. Following the best practices in the industry and using tricks he picked up on the road, he managed to earn almost a million dollars in profit during his first year as an investor.

The creation of the Private Investment Club

His success in the real estate world gave Sunil Tulsiani name recognition, and before he realized it, a public speaking career started to take form.

“I was petrified. I was always the shy guy in meetings, so to go up on stage was very daunting,” Mr. Tulsiani on his first speech.

Sunil overcome his shyness and quickly became a confident and reliable speaker. Moreover, the tips and tactics he shared were so valuable that more and more people started to attend his conferences.

So, the former police officer decided he wanted to help others achieve the same level of success he was enjoying as a real estate investor. His goal? Transforming 100 unknown individuals into millionaires. It sounds crazy, but there was a clear strategy behind it all.

The solution was simple and elegant. Sunil was going to gather a group of like-minded people that wanted to thrive in the real estate industry, regardless their background. He called it the Private Investment Club, and this organization’s objective was to provide its members with the tools to become high-performing investors.

From coaching to financial support, the members of PIC started cooperating with one another with a simple goal in mind: Making money investing in properties. The initiative took off as PIC collaborators’ portfolio started to grow, establishing Sunil Tulsiani as a guru of real estate investment.

A big mistake that could have killed the guru’s reputation

Tulsiani met Joe Henry Chau in 2007. The latter was a developer working on a hotel-condo in Curacao, a famous touristic spot off-shore Venezuela. Usually, business people are wary of projects that are under development, but Sunil had already made millions with similar projects using different tactics to mitigate the risks. So, he took the bait.

His brother flew in to scout the place, and confirmed everything Mr. Chau said was true; it was a good investment opportunity. So, Tulsiani decided to pitch the project to PIC members, and many of them were interested since they only had to cover 10% of the total cost.

Then, the infamous 2008 real estate crisis kicked in which forced Tulsiani and his collaborators to inject capital to keep the project alive. However, Joe Henry Chau had used shady methods to run the initiative, and he was later found guilty of fraud. The result? Tulsiani and several members of the Private Investment Club lost millions of dollars.

That of course affected the guru’s reputation, and many of the people involved even accused him of having deceived them. However, he was cleared of any fraud charges. In despite of that, he took money out of his own pocket to cover some of his client’s loses.

Instead of shutting down his company and accepting defeat, Sunil decided to use the knowledge from that experience to become a wiser investor. Now, he doesn’t take unnecessary risks with pre-construction developments, and clearly explains the risks of investing to anyone that wants to work with him. But, what about his reputation?

The waiting list to join the PIC grows every day. Even after the Curacao fiasco, people still believe in Sunil and want to do business with him. If you want proof, that first recommendation we mentioned at the beginning of the article is from few days ago (February 7, 2018).

If you are considering becoming a property investor and are looking for a reliable mentor, Sunil Tulsiani is the smart bet. You can start by checking out his books and YouTube channel where he gives invaluable entrepreneurship advice. Be warned, you might become a fan after a couple of research hours.

PPP’s role and challenges in public services reform in post-conflict economies

There’s a lot of ongoing talk in business, government and academic circles about public private partnerships (PPPs). They have a role to play in public sector reform. They’re the best way to undertake major infrastructure projects on time and on budget. And why can’t the tech innovations that are transforming businesses be brought to the public side to improve government services?

It’s the developed countries that have leveraged these deals most extensively. The World Bank, for example, notes that the U.K. has the most projects, 648, while Korea has 567 and Australia, 127. The institution further notes that the market is growing “in absolute terms…(with) the growth cycles of PPP investments…influenced by five big economies – Brazil, China, India, Mexico and Turkey – that have increased their market share over time.”

Traditionally, PPPs have tended to be projects intended to see through significant infrastructure projects. Singapore, for example, has used them successfully for desalination and water management projects. A PPP has been behind the upgrades to the Mactan-Cebu International Airport in the Philippines, a project that has won much acclaim and is on track to finish in the middle of this year.

But many see PPPs as evolving and as even the best way we can successfully manage some of society’s most pressing issues. In one interview, former World Bank CFO Bertrand Badre said that multi-stakeholder partnerships are the only way to come to grips with the global challenges of sustainable development.

From my perspective, PPPs are just as critical to helping less developed and post-conflict countries rebuild their public sectors. But while the need is great, so are the challenges.

Post-conflict countries can become trapped in cycles of economic regression and further conflict. That results in overextended governments that have established patterns of suppressing the private sector. That’s not the stuff of successful public/private partnerships.

Overcoming those barriers takes rebuilding on a number of fronts, but starting with stronger policy making. This is essential if emerging economies are to learn to broaden their perspectives and borrow best practices from more advanced nations of the world.

My work in this area with the governments of Liberia and Sudan led to a greater understanding and appreciation for the importance of the private sector, particularly the innovators and entrepreneurs, to a struggling country’s long-term survival.

It was, we found, an education process. Government jobs alone cannot grow an economy or create wealth. It takes businesses of all sorts to create an environment that stimulates economic growth – and there should be a mutual interest in nurturing it.

Ultimately, the environment must be stable and one where long-term private sector investments will make sense. Stronger policies help, but they need to be accompanied by a concerted effort to tackle corruption and a willingness to share the risks. In fact, some governments have actually gotten political risk insurance. In the Ivory Coast, such coverage led one PPP to finance construction of an important toll bridge after a decade-long delay.

Public Private Partnerships matter. Post conflict and emerging economies will need them to support their reform agendas as this century advances. It’s time we move from talk to action.

Targeting Millennials as a Real Estate Agent – What to Know

Millennials have become one of the largest group of homebuyers. However, due in part to affordability issues and the reluctance of older generations to upsize or downsize from their current homes and free up inventory, Millennials also lag behind the benchmarks set for homeownership by older generations at the same stage in their lives.

The question facing many real estate agents now is how to successfully market to Millennials and help them achieve their goals.

Fortunately, Millennials are very much like the previous generations in their outlook about homeownership: they regard owning a home as a central part of achieving a lifelong dream and perceive it as an attainable goal. On the other hand, as I mentioned above, there are some obstacles that Millennial buyers face that previous generations have not. There are a few ways that a savvy agent can reach Millennial clients and help them make the best decision for themselves.

As alluded to above, Millennials do not have the same kind of financial wherewithal that clients in previous generations might have enjoyed: they are often burdened with debt from student loans and other financial obligations, and face the prospect of rising costs and stagnating wages. Millennials often buy their first home later in life than, say, members of the Baby Boomer generation and, as a consequence, are looking for houses that are inexpensive and simple to maintain.

In addition, and this cannot be overstated, today’s Millennial home buyer will search for homes online, via computer and smartphone. It is paramount that any real estate agent who wants to connect with the Millennial audience take this fact into consideration when building a marketing plan for his or her properties.

There are a couple important things to keep in mind in relation to this aspect of the Millennial audience:

  • Millennials expect to be able to find the information they want immediately. Info about homes should be clear and easily accessible, whether on a website or social media.
  • They also want to be able to see a lot of high-quality photos of properties online. They want to be able to obtain as much solid information about a property as they can before committing to seeing it in person.

Also, thanks to the influence of home renovation shows on TV and things like Pinterest and the proliferation of home decor magazines, many Millennials have different — some might say higher — expectations than previous generations when it comes to real estate.

  • Millennials want new fixtures and updated bathrooms and kitchens. They want things that are new and they want the appearance of luxury and modernity.

Millennials are also, on the whole, more focused on “experiences” rather than the accumulation of things. This means that they place a greater value on certain aspects of a property:

  • Millennials want open spaces within the house where they can entertain, and they want to be in urban or denser suburban areas where they can connect with others.
  • Millennials generally speaking do not want houses that sit on large lots or are difficult or expensive to maintain.
  • Millennials, in general, are not interested in houses that are in need of extensive renovations; they do not have the disposable income to complete renovations and would rather spend that money on activities and experiences.

Keeping all the above in mind can help real estate agents reach the Millennial audience and connect with them successfully.

Financial tips for working teenagers

There are many teenagers working to complete the graduation, and they work continuously to ensure that the necessary level of satisfaction is achieved from their end. However, they do not have adequate knowledge as far as money Management is concerned.

To make it easy for you, here are some tips that should help.

1. Spend money to a certain extent only

With the intention to live a satisfied life, you need to be sure that you are constantly pushing yourself to get the results you need, and, in the process, you might make unnecessary expenses that will haunt you later on. In this case, it is advisable to make sure that you categorize your expenses and spend only a certain sum of your total earnings on things you need.

It is possible that you might face a number of difficulties at the start of your campaign, but soon you’ll understand what is important and what should be avoided.

2. Limit the use of credit cards

Being a teenager, it is not advisable to use a credit card more often. We know that some of the best credit cards offer extensive benefits for can help get amazing discounts on your purchases. In such cases, using a credit card is good but don’t make it a habit of swiping your credit card anywhere and anytime. Remember that if you are not in a position to make a payment for the same at a later date, your credit rating will be affected and it will have a negative impact on your future.

3. Get rid of your student loan as soon as possible

It is important to get rid of your student loan as soon as possible because it is a debt that will play on your mind for a long time. There are many students who do not consider repaying their student loan to be important. Creating this mindset is not good because you know that you’ll have to repay it someday or the other hand the sooner you consider starting the repayment process, easier will it be for you to get out of the debt zone.

4. Invest in yourself

Remember that you are still young and there are a number of luxuries you can enjoy only at this age. With this being said, you should make sure that you are investing a certain amount of your earnings in yourself. In this case, health-related expenses should top the list. You should understand that investing in yourself will help you in feeling good about the expense made and it will keep you satisfied.

Getting the Best Performance Out of Your Team: How to Identify and Address Skills Gaps

Skills gaps can be one of the most significant obstacles to ensuring an organization attains its goals and fulfill its mission. If staff does not have the skills they need to deliver the results, that of course makes it difficult for an organization to achieve its current goal and to grow and adapt to changing markets and environments. From my experience, however, there are ways to identify knowledge or skills gaps and implement efficient methods to address them.

The Importance of Assessment

In assessing the knowledge and abilities of your current team, it is important to consider your organization’s current and future needs. It is also important to understand that some team members may find it difficult to self-assess and, as such, feedback from other team members and third parties should be included in the assessment. Accurately assessing the team’s knowledge and abilities can, one, give you a more accurate idea of your team’s strengths and, two, show how best to address potential areas of improvement.

A Look at Training and Development

Investing in the right kinds of training and development for your team is equally important as the assessment. Even if staff appear to be heterogeneous in terms of education and experience, as a leader, considering the types of training (auditory, visual or tactile) that will work best for each team member is a valuable part of the process. Online webinars might be helpful for one group, and self-directed training may be suitable for another group, but it’s important to find the right fit so that all team members can develop.

Sometimes team leaders are reluctant to provide ongoing training and development with concerns that it’s too expensive or that there’s not enough time to devote valuable working hours to activities that are not immediately productive. Team members may also be concerned about time constraints and the relevance of the training. I would counter those objections with an observation—in my experience, training and development are essential to recruiting and retaining talent, and when you think about all the costs of replacing employees and the lost productivity when your team is down a member or two, you understand why training is so important. Training and professional development go a long way to making a good team even better.

Another good practice to keep in mind as a leader is to recognize and cultivate the skills that your team members already possess. For example, if a particular team member shows calm leadership during crisis situations, make sure you recognize their contributions to your team’s work and the organization.

However you choose to address skills gaps, it’s important to address the issue and not ignore it. Enhancing the capabilities of your team will add to overall productivity and allow your team to make significant contributions to the growth of your organization.

Fun Ways to Earn Money

If you want to earn money in Canada, there are many fun ways in which you can achieve the objective and be happy about it. We always think some of the ways and if you think it is worth giving a try, don’t hold yourself back and enjoy your time while earning money.

1. Private Island caretaker

This is a dream for many people, and it is possible that you might even want to have a place to take care of where you can soak up the sun, enjoy your time and go on Adventures while being paid for it. Being a private Island caretaker is a big responsibility, but it has its own set of benefits. So, make sure that you start looking for such opportunities and enjoy the task.

2. Designing video games

We love spending time on different video games and have many thoughts in our mind that can help us in developing and an ideal game for every gamer. If you have the skill to design a video and you, wish to make one this can be a great task for you. Designing video games can help you and keeping yourself occupied most of the time while doing something you love doing.

3. Enjoying your time in a Casino

Casinos are fun, and we all know it. There are many people who would want to spend most of the time in casinos but have their fears in mind. If you fall in this category, we suggest that you should look for online Casino Canada and restrict your time and money in this direction. This will ensure that you push yourself to the limit set by you and not by anyone else.

4. Makeup artist

If you love this task, there is no better way in which you can earn money and be happy about what you’re doing. Being a makeup artist and help you in a number of ways and can get you many opportunities. In this case, please suggest that you specialize in a particular category and keep learning to expand your knowledge base and cover different occasions to play with the combinations. Being a makeup artist can also help you in achieving your dream of traveling to different places and gaining exposure when the time is right.

5. Writer

If you have many ideas in your mind and you wish to share it with this world, you can write it down on paper and left in the world recognize your talent. Being a writer, you’ll have many opportunities to express your opinion and to make this world a better place to live in. Remember the freedom you get in this field will not be equivalent to most of the jobs you might consider.

Looking at Five Inherent Traits of Strong Leaders

Why is one nation’s head of state well-regarded for his positive energy and ability to inspire his countrymen, while another’s leader embraces discord and divisiveness? Why is one company’s CEO known for her creative mind, but an abrasive management style that holds the organization back, while another’s passion and decisiveness move his people to embrace positive change?

Not every leader is a good one, and even those who have some of the requisite characteristics for greatness may not have them in sufficient balance to truly earn them the sobriquet of “great.”

Mountains of content have been written about what the best leaders look like and the hard skills and soft ones that they are either born with or develop to achieve leadership success. Of course, there are learned skills, acquired through education and experience – from finance and business operations to the ability to speak a foreign language. And the soft skills can’t be underestimated, like the ability to communicate and persuade others or showing a strong work ethic.

But, beyond “skills,” per se, leaders possess certain innate characteristics or traits that occur naturally or can be cultivated – and should be cultivated among managers who show the potential to be our next generations of leaders.

The essential traits of a leader go beyond the baseline givens of integrity, intelligence or emotional maturity. Some of them are hard-wired within natural leaders. Others need to be cultivated and polished over time. They include:

·      Positive energy. It’s far more productive to build up than to tear down and criticize. People who can stay upbeat, optimistic and encouraging even when circumstances are at their most discouraging will win legions of loyal followers.

·      The ability to energize others. It’s called emotional impact, and those who can make their own positive energy contagious to others come out on top.  Can you make people feel good about what you’re trying to achieve? Maya Angelou put it this way: “…people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”

·       Decisiveness. This is nothing more than being able to act decisively on tough decisions, without waffling, without over-analyzing, without second-guessing. Leaders are able to make the tough calls because they’ve got the confidence to do so. It’s not an inherent trait, but one that that must be encouraged over time.

·      The ability to get things done. This is another trait that must be honed over time and requires self-confidence to carry through. It’s the rare leader who can execute and is also an effective strategist: A survey by PwC found only 8 percent of top leaders were effective at both.

·    Passion. It’s the passion that leaders have for their people, their work and their lives that produces the energy that drives everyone forward. If vision is “what you see” as a leader, passion makes what you see important.

Ultimately, these traits are bound together to create a total, inimitable persona that stands for something more than just “business as usual.”  Starbucks’ CEO Howard Schultz put it this way: “As a business leader, my quest has never been just about winning or making money. It has also been about building a great, enduring company, which has always meant striking a balance between profit and social conscience.”

Financial Habits That The Highly Successful People Have

If you want to be successful you need to develop suitable financial habits because financial education is basically a necessity for true success. There are so many things that you can consider but at the end of the day what counts the most is finding something that works for you. Every single entrepreneur presented online on sites like Xpert Money will have different habits. Here are some that are quite common and that you can consider but be sure you find what is suitable for your personality.

Constantly Generating And Sharing Ideas

Being a successful entrepreneur is directly connected with ideas but it is not just about having them. Also, in many cases idea blocks appear and ideas stop coming up. This is why you want to constantly generate ideas as often as possible. Then, you do want to share them since such an approach would bring in other ideas, money, contacts, future opportunities and connections. There are countless examples of people that just shared their ideas about how a business should move forward on the internet and that business contacted them for further discussions.

Saving More Than 10% Per Month

Most financial education articles you will find online will tell you that you have to save 10% of your income in order to have a backup when things go wrong. This is definitely a great start but the highly successful businessmen actually save a lot more. Going as high as 20% of every single paycheck is much more common than what you may think. That is in addition to setting up emergency saving accounts that the business can use to deal with difficulties. Basically, safeguards are in place so the individual and the business are never broke.

Never Forgetting What Is Set

Most people know that it is important to set up a payment and savings system so that every financial action is as automated as possible. This includes money transfers and bill payments. However, it is not a good idea to simple let the system run and not check it. You want to always be aware of where money is going. Bank accounts are normally checked every single week by the successful people in order to be sure that they know exactly how things stand. This also helps to identify potential problems as soon as possible.

Focusing On Giving Instead Of Getting

When you look at what the really successful people do you surely figure out the fact that they give much more than they get. The idea is that the entrepreneur is consistently looking for opportunities to give back and enhance what people receive for them as opposed to being focused on what others are offering him or the business.


It is very important to find the financial habits that are working great for you and that set you up for business success. The ideas shared above are a great starting point so do see if this is what helps you to go to the next level in your business adventure.