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Q: Trilateration and locating the point (x,y,z) I want to find the coordinate of an unknown node which lie somewhere in the space which has its reference distance away from 3 or more nodes which all of them have known coordinate.
This problem is exactly like Trilateration as described here Trilateration.
However, I don't understand the part about "Preliminary and final computations" (refer to the wikipedia site). I don't get where I could find P1, P2 and P3 just so I can put to those equation?
Thanks

A: Trilateration is the process of finding the center of the area of intersection of three spheres. The center point and radius of each of the three spheres must be known.
Let's consider your three example centerpoints P1 [-1,1], P2 [1,1], and P3 [-1,-1]. The first requirement is that P1' be at the origin, so let us adjust the points accordingly by adding an offset vector V [1,-1] to all three:
P1' = P1 + V = [0, 0]
P2' = P2 + V = [2, 0]
P3' = P3 + V = [0,-2]

Note: Adjusted points are denoted by the ' (prime) annotation.
P2' must also lie on the x-axis. In this case it already does, so no adjustment is necessary.
We will assume the radius of each sphere to be 2.
Now we have 3 equations (given) and 3 unknowns (X, Y, Z of center-of-intersection point).
Solve for P4'x:
x = (r1^2 - r2^2 + d^2) / 2d  //(d,0) are coords of P2'
x = (2^2 - 2^2 + 2^2) / 2*2
x = 1

Solve for P4'y:
y = (r1^2 - r3^2 + i^2 + j^2) / 2j - (i/j)x //(i,j) are coords of P3'
y = (2^2 - 2^2 + 0 + -2^2) / 2*-2 - 0
y = -1

Ignore z for 2D problems.
P4' = [1,-1]
Now we translate back to original coordinate space by subtracting the offset vector V:
P4 = P4' - V = [0,0]
The solution point, P4, lies at the origin as expected.
The second half of the article is describing a method of representing a set of points where P1 is not at the origin or P2 is not on the x-axis such that they fit those constraints. I prefer to think of it instead as a translation, but both methods will result in the same solution.
Edit: Rotating P2' to the x-axis
If P2' does not lie on the x-axis after translating P1 to the origin, we must perform a rotation on the view.
First, let's create some new vectors to use as an example:
P1 = [2,3]
P2 = [3,4]
P3 = [5,2]
Remember, we must first translate P1 to the origin. As always, the offset vector, V, is -P1. In this case, V = [-2,-3]
P1' = P1 + V = [2,3] + [-2,-3] = [0, 0]
P2' = P2 + V = [3,4] + [-2,-3] = [1, 1]
P3' = P3 + V = [5,2] + [-2,-3] = [3,-1]

To determine the angle of rotation, we must find the angle between P2' and [1,0] (the x-axis).
We can use the dot product equality:
A dot B = ||A|| ||B|| cos(theta)

When B is [1,0], this can be simplified: A dot B is always just the X component of A, and ||B|| (the magnitude of B) is always a multiplication by 1, and can therefore be ignored.
We now have Ax = ||A|| cos(theta), which we can rearrange to our final equation:
theta = acos(Ax / ||A||)

or in our case:
theta = acos(P2'x / ||P2'||)

We calculate the magnitude of P2' using ||A|| = sqrt(Ax + Ay + Az)
||P2'|| = sqrt(1 + 1 + 0) = sqrt(2)

Plugging that in we can solve for theta
theta = acos(1 / sqrt(2)) = 45 degrees

Now let's use the rotation matrix to rotate the scene by -45 degrees.
Since P2'y is positive, and the rotation matrix rotates counter-clockwise, we'll use a negative rotation to align P2 to the x-axis (if P2'y is negative, don't negate theta).
R(theta) = [cos(theta) -sin(theta)]
           [sin(theta)  cos(theta)]

  R(-45) = [cos(-45) -sin(-45)]
           [sin(-45)  cos(-45)]

We'll use double prime notation, '', to denote vectors which have been both translated and rotated.
P1'' = [0,0] (no need to calculate this one)

P2'' = [1 cos(-45) - 1 sin(-45)] = [sqrt(2)] = [1.414]
       [1 sin(-45) + 1 cos(-45)] = [0]       = [0]

P3'' = [3 cos(-45) - (-1) sin(-45)] = [sqrt(2)]    = [ 1.414]
       [3 sin(-45) + (-1) cos(-45)] = [-2*sqrt(2)] = [-2.828]

Now you can use P1'', P2'', and P3'' to solve for P4''. Apply the reverse rotation to P4'' to get P4', then the reverse translation to get P4, your center point.
To undo the rotation, multiply P4'' by R(-theta), in this case R(45). To undo the translation, subtract the offset vector V, which is the same as adding P1 (assuming you used -P1 as your V originally).

A: This is the algorithm I use in a 3D printer firmware. It avoids rotating the coordinate system, but it may not be the best.
There are 2 solutions to the trilateration problem. To get the second one, replace "- sqrtf" by "+ sqrtf" in the quadratic equation solution.
Obviously you can use doubles instead of floats if you have enough processor power and memory.
// Primary parameters
float anchorA[3], anchorB[3], anchorC[3];               // XYZ coordinates of the anchors

// Derived parameters
float Da2, Db2, Dc2;
float Xab, Xbc, Xca;
float Yab, Ybc, Yca;
float Zab, Zbc, Zca;
float P, Q, R, P2, U, A;

...

inline float fsquare(float f) { return f * f; }

...

// Precompute the derived parameters - they don't change unless the anchor positions change.
Da2 = fsquare(anchorA[0]) + fsquare(anchorA[1]) + fsquare(anchorA[2]);
Db2 = fsquare(anchorB[0]) + fsquare(anchorB[1]) + fsquare(anchorB[2]);
Dc2 = fsquare(anchorC[0]) + fsquare(anchorC[1]) + fsquare(anchorC[2]);
Xab = anchorA[0] - anchorB[0];
Xbc = anchorB[0] - anchorC[0];
Xca = anchorC[0] - anchorA[0];
Yab = anchorA[1] - anchorB[1];
Ybc = anchorB[1] - anchorC[1];
Yca = anchorC[1] - anchorA[1];
Zab = anchorB[2] - anchorC[2];
Zbc = anchorB[2] - anchorC[2];
Zca = anchorC[2] - anchorA[2];
P = (  anchorB[0] * Yca
     - anchorA[0] * anchorC[1]
     + anchorA[1] * anchorC[0]
     - anchorB[1] * Xca
    ) * 2;
P2 = fsquare(P);
Q = (  anchorB[1] * Zca
     - anchorA[1] * anchorC[2]
     + anchorA[2] * anchorC[1]
     - anchorB[2] * Yca
    ) * 2;

R = - (  anchorB[0] * Zca
       + anchorA[0] * anchorC[2]
       + anchorA[2] * anchorC[0]
       - anchorB[2] * Xca
      ) * 2;
U = (anchorA[2] * P2) + (anchorA[0] * Q * P) + (anchorA[1] * R * P);
A = (P2 + fsquare(Q) + fsquare(R)) * 2;

...

// Calculate Cartesian coordinates given the distances to the anchors (La, Lb and Lc)
// First calculate PQRST such that x = (Qz + S)/P, y = (Rz + T)/P.
// P, Q and R depend only on the anchor positions, so they are pre-computed
const float S = - Yab * (fsquare(Lc) - Dc2)
                - Yca * (fsquare(Lb) - Db2)
                - Ybc * (fsquare(La) - Da2);
const float T = - Xab * (fsquare(Lc) - Dc2)
                + Xca * (fsquare(Lb) - Db2)
                + Xbc * (fsquare(La) - Da2);

// Calculate quadratic equation coefficients
const float halfB = (S * Q) - (R * T) - U;
const float C = fsquare(S) + fsquare(T) + (anchorA[1] * T - anchorA[0] * S) * P * 2 + (Da2 - fsquare(La)) * P2;

// Solve the quadratic equation for z
float z = (- halfB - sqrtf(fsquare(halfB) - A * C))/A;

// Substitute back for X and Y
float x = (Q * z + S)/P;
float y = (R * z + T)/P;

A: Here are the Wikipedia calculations, presented in an OpenSCAD script, which I think helps to understand the problem in a visual wayand provides an easy way to check that the results are correct. Example output from the script
// Trilateration example
// from Wikipedia
//
// pA, pB and pC are the centres of the spheres
// If necessary the spheres must be translated
// and rotated so that:
// -- all z values are 0
// -- pA is at the origin
pA = [0,0,0];
// -- pB is on the x axis
pB = [10,0,0];
pC = [9,7,0];

// rA , rB and rC are the radii of the spheres
rA = 9;
rB = 5;
rC = 7;

if ( pA != [0,0,0]){
   echo ("ERROR: pA must be at the origin");
   assert(false);
}

if ( (pB[2] !=0 ) || pC[2] !=0){
   echo("ERROR: all sphere centers must be in z = 0 plane");
   assert(false);
}

if (pB[1] != 0){
   echo("pB centre must be on the x axis");
   assert(false);
}

// show the spheres
module spheres(){
   translate (pA){
      sphere(r= rA, $fn = rA * 10);
   }

   translate(pB){
      sphere(r = rB, $fn = rB * 10);
   }

   translate(pC){
      sphere (r = rC, $fn = rC * 10);
   }
}

function unit_vector( v) = v / norm(v);

ex = unit_vector(pB - pA) ;
echo(ex = ex);

i = ex * ( pC - pA);
echo (i = i);

ey = unit_vector(pC - pA - i * ex);
echo (ey = ey);

d = norm(pB - pA);
echo (d = d);

j =  ey * ( pC - pA);
echo (j = j);

x = (pow(rA,2) - pow(rB,2) + pow(d,2)) / (2 * d);
echo( x = x);

// size of the cube to subtract to show
// the intersection of the spheres
cube_size = [10,10,10];

if ( ((d - rA) >= rB) || ( rB >= ( d + rA)) ){
   echo ("Error Y not solvable");
}else{
   y = (( pow(rA,2) - pow(rC,2) + pow(i,2) + pow(j,2)) / (2 * j))
      - ( i / j) * x;
   echo(y = y);
   zpow2 = pow(rA,2) - pow(x,2) - pow(y,2);
   if ( zpow2 < 0){
      echo ("z not solvable");
   }else{
      z = sqrt(zpow2);
      echo (z = z);
      // subtract a cube with one of its corners
      // at the point where the sphers intersect
      difference(){
         spheres();
         translate ([x,y - cube_size[1],z]){
           cube(cube_size);
         }
      }
      translate ([x,y - cube_size[1],z]){
           %cube(cube_size);
      }
  }
}

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Jagran Prakashan launches English news website JagranPost.com
By Alootechie Posted in alootechie.com
MMI Online, the digital media wing of the Jagran Prakashan Limited, has launched JagranPost.com as an English news website which will provide latest news, views, pictures, videos etc to the readers who are short on time but are Internet savvy. The website will provide not just hard news from India and around the world, but will also give readers regular insights into lifestyle, health, sports, education, show business and a lot more areas of interest. The company also operates Jagran.com which is the most visited Hindi portal and was recently co branded with Yahoo India. JagranPost was launched in January 2011. JagranPost was launched in January 2011, and is getting around 200,000 visits per month.
"The novel feature of Internet as a medium is in scope to provide to its users – i.e. both readers and publishers – in establishing a dialogue among themselves. Interactivity is the key word. JagranPost.com realizes the importance of its readers and will give an open platform to them for expressing their opinion on various issues. The website will provide not just hard news from India and around the world; it will also give readers regular insights into lifestyle, health, education, show business and a lot more areas of interest," the company has said in a statement.
Product Manager, JagranPost.com, said, "We have given a platform to our esteemed readers who are short on time but want to keep themselves abreast with the latest happening surrounding them as well as across the world in the sector of politics, sports , entertainment. Many more going to come up in the upcoming time"
Apart from having blogs written by eminent columnists on various national and international topics, JagranPost.com also carries an exclusive editorial written by Group Editor and CEO Sanjay Gupta throwing light and giving ample insight on all important events on a weekly basis.
MMI Online already operates websites that complement their print properties such as Jagran.com, bilingual blogging portal JagranJunction.com, iNext.com, health portal OnlyMyHealth.com, education property JagranJosh.com, community newspaper JagranCityplus.com, video portal JagranVideos.com.
Updated: Jagran's Online Division MMI Online Launches OnlyMyHealth.com; Mobile; Education Portal Next
By Nikhil Pahwa Posted in medianama.com
Update: Speaking with MediaNama, Sukriti Gupta, CEO of MMI said that MMI focuses on online content related business for Jagran, and J9 is focused more on e-commerce businesses. MMI plans to launch mobile versions of Jagran properties in the next few months, and they're targeting around 2-3 portals a year. The next vertical they're targeting – education.
Gupta declined to comment on how much Jagran is investing in OnlyMyHealth, or when they're targeting break-even, only that they're "realistic about the online space in India". MMI has a team of 42, and resources will be shared across portals.
In terms of monetization, Gupta said that they'll look into all modes of monetization, and these are still early days, and they're currently focused on stabilizing the platform: advertising could be be lead based, sponsor based or impression based. In terms of CPM (Cost Per Milli impressions), for niche verticals, rates are upwards of Rs. 200-300 CPM. The company is targeting advertisers from the pharmaceutical segment, medical tourism: the content is customized for that niche. They're also open to syndicating content, since 80 percent of it is owned by the Jagran group. Subscription is not a part of the play for OnlyMyHealth, but could be for other verticals.
On implementing e-commerce (booking appointments with doctors), she said that they're speaking with potential partners, and haven't taken a call on whether to implement directly or with a partner? For driving usage, they plan to leverage the Jagran properties, both online and offline, including Mid-Day.
Jagran rolls out 'Jagran Junction.com' a new bi-lingual blog
By Shivani Anand Posted in MM Network
MMI Online, a venture of one of India's leading media firm Jagran Prakashan Ltd. has rolled a new bi-lingual blog called 'Jagran Junction'. The 'Jagran Junction' with the tagline 'Aapki Aawaz, Aapka Blog' (Your voice, Your Blog), went online as a beta version on 5th January 2010.
It offers the widespread readers of Jagran's brands, such as Dainik Jagran, with a new platform that provides interactivity and opportunity to express their views in Hindi as well as English.
In an e-mail reply to Media Mughals, MMI Online CEO, Sukirti Gupta, remarks, "The Jagran Junction.com has been introduced with a vision to make it the #1 trusted place for quality and quantity non-news content. Moreover, it also facilitates the online interaction of Jagran readers with the Jagran editorial team."
Sr. HR Executive for MMI Online says, "Jagran Junction.com is a new and one-of a kind initiative providing with the blog application in bi-lingual format."
On being asked about the support for two languages incorporated in the blog, Gupta mentions, "Jagran Junction has been created to provide a Blogging platform for readers in particular Hindi but support English readers as well where they can freely comment on Jagran editorials /general user generated content and also express their own viewpoint."
The bloggers at the Jagran Junction can avail a readymade platform with integrated array of features through which readers can discuss issues, convey their grievances, concerns and invaluable suggestions on various categories like, News, Business, Sports, Entertainment, Social issues etc.
The blog has 60-40 ratio from readers and Jagran editors both in registrations and content generation. As far as the revenue model for the blog is concerned, the company is yet to device it "as it is still in its Beta, however, the plans are on the anvil once we move out of Beta stage," informs Gupta.
With high plans for this new endeavour, MMI is making the product 100% user friendly with the development of new features to increase the onsite engagement, stickiness and experience. The company also plans to incorporate support for more languages in the blog in future.
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Jagran Group signs up with Marcellus to power online video
By Preetam Posted in marcellus.tv
India's second largest circulated newspaper rolls out video on flagship property: Jagran.com
February 02, 2010 – Marcellus Inc. announced today its first major news property sign-up, with the addition of the Jagran Group to its customer base. The announcement follows the launch of video delivery on Jagran.com, powered by the Marcellus platform. Leveraging the Amazon Cloudfront CDN, Marcellus empowers Jagran to serve high quality, buffer-free video experiences to a massive global audience- with a publishing workflow customized to match the enterprise level requirements of a large news organization.
"The history of Jagran speaks for itself," said Preetam Mukherjee, president and chief executive officer at Marcellus. "With an offline audience of over 50 million daily readers and an online audience of over 1.5 million monthly viewers, Jagran is superbly poised to create exciting new business opportunities with online video. We are privileged to be supporting these video initiatives at an organization that has documented the daily history of the largest democracy in the world since 1942."
In less than two weeks since the introduction of video, Jagran has served well over 300 hours of programming from its flagship portal, http://www.jagran.com. By adopting the Marcellus Video Platform, Jagran plans to leverage the tremendous scale economics of video delivery from the Amazon Cloudfront CDN, and increase the level of audience engagement across all its online media properties.
"In our search for a video platform, there were a few things we simply could not compromise upon." said Sukirti Gupta, CEO at MMI Online, which manages Jagran.com. "The first, and foremost, was quality- there is no excuse for delivering inferior quality video experiences to audiences. Second was cost- we needed an economical solution that could help us build a viable business model around our online video initiatives. Third- we needed a platform that could easily integrate with our content management system powered by Yahoo. Finally- we wanted to work with an agile team that is extremely competent with the business and technology of online video".

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We asked ChatGPT to offer us a few words on the latest influencer marketing trends. Here's what it came up with:
Influencer marketing has become an increasingly popular way for brands to reach their target audiences. As the industry continues to evolve, it's important to stay up-to-date on the latest trends in order to maximize the effectiveness of your campaigns.
Here are some of the top influencer marketing trends that you should be aware of in 2021 (sic.)
1. Micro-Influencers: Micro-influencers are becoming increasingly popular as brands look for more cost-effective ways to reach their target audiences. Micro-influencers typically have fewer followers than traditional influencers, but they often have more engaged audiences and can be more effective at driving conversions.
2. Authenticity: Consumers are becoming increasingly savvy and can spot inauthentic content from a mile away. Brands should focus on working with influencers who are genuinely passionate about their products and can create content that resonates with their followers.
3. Long-Term Partnerships: Brands are beginning to move away from one-off campaigns and instead focus on building long-term relationships with influencers. This allows them to create more consistent content and build a stronger connection with their target audience.
4. Video Content: Video content is becoming increasingly popular as it allows brands to tell a story in a more engaging way. Influencers can create videos that showcase their products in an authentic way, which can help drive conversions and increase brand awareness.
5. Paid vs Organic: Brands are beginning to realize the importance of both paid and organic influencer marketing campaigns. Paid campaigns can help reach a larger audience, while organic campaigns can help build trust and loyalty with followers.
By staying up-to-date on the latest influencer marketing trends, brands can ensure that their campaigns are as effective as possible.
By leveraging micro-influencers, focusing on authenticity, building long-term partnerships, creating video content, and utilizing both paid and organic campaigns, brands can maximize the impact of their influencer marketing efforts.
Editor's note: For those not aware, ChatGPT is a new AI tool that has taken the world by storm over the past week. It's the latest iteration in the GPT family of 'text-generating AIs.' Ask ChatGPT a question, for instance we asked it to write an article about creator marketing trends, and you get the above.
While this was an interesting exercise and frankly the content was spot on, BANKNOTES and its editors want to make clear how much respect we have for our roster of writers and would never look to replace them with an AI tool.


2015 Special Olympics World Games in Los Angeles!
(Los Angeles, CA, July 20, 2015) – Singer-songwriter and award winning vocalist Katrina Woolverton is honored to be performing at the 2015 Special Olympics World Games in Los Angeles this month! She joins a diverse array of artists and dignitaries celebrating the amazing courage and skill of over 6500 young athletes. Honorary Chairs of the Games are President Barack Obama and First Lady Michelle Obama, with Los Angeles Mayor Eric Garcetti and California Governor Jerry Brown serving as Honorary Hosts.
Katrina will be performing on the World Games Music Festival Stage on Thursday, July 30th at UCLA's Wilson Plaza from 11:40am-12pm. She will be performing an acoustic set with guitarist Andrew Doolittle that will feature songs "Shame On Me" and "So Eden" from her 2012 Billboard charting album debut In The Blink Of An Eye (Red/Sony), as well as her new soon to be released single "Heatwave" from her upcoming album Long Time Coming.
Katrina has toured across the US with the legendary icon Meat Loaf (as well as her own live treks in the U.S. and UK). She along with Doolittle on guitar, received glowing reviews while holding the opening slot for the veteran rocker throughout his 2012 Mad Mad World Tour. Her accomplished vocal style also scored her coveted radio support including over 1000 spins on SiriusXM's contemporary music channels.
Katrina's show-stopping live prowess also inspired her to recently record an acoustic version of "Shame On Me" while working in London on her sophomore album. The new recording of "Shame" http://www.katrinawoolverton.com/shame-on-me-acoustic was prompted by fans response to a stripped-down more intimate version performed on tour.


The following are the best UITF in the Philippines 2019. The data includes complete list of best performing UITF for equity funds, balanced funds, bond funds and money market funds. If you have Unit Investment Trust Funds (UITFs), you must be updated with the periodic ranking of UITF to know how your investments performed in the last months, quarter, or period compared to other UITF.
UITF stands for Unit Investment Trust Fund. UITFs are pooled investments of different funds, companies, corporations, invested and diversified to other investments, stocks, bonds, securities, money market and other funds managed by fund experts and fund professionals.
UITFs are regulated by the BSP (Bangko Sentral ng Pilipinas).
Why should you invest in UITF and how do you know it's right for you?
This question is always asked so many times on the threads so it will be great if I share the answers in this post.
If you have extra bulges of money and you want to invest them so that they can earn some cash (higher than Time Deposits) and you are aware of the risks involved, you phone your banker and ask about any investment product that could give you that, they will surely give UITF as one of the options.
UITFs, unlike Mutual Funds, are easy to open nowadays. Last year, PNB started the UITF Online account opening in the Trust banking Empire. We can now open online and paperless. As long as you have an existing bank account, in PNB for instance, you can open or enroll your UITF and redeem or withdraw your funds from it.
How do you choose the UITF that is right for you?
It's simply by knowing your investment goal and your risk appetite.
Top performing UITF in the Philippines. Data will be updated every quarter. Data is based on YOY (in the last 12 months) ROI.
The performance of financial market is not that impressive in the last twelve months that's why you will see some poor performances in the following data. Global market and Fed hikes contributed in the decline of investments. On the other hand, financial experts and investors are still confident about the future growth of the economy which will eventually lift up other businesses and investments in the country.
UITF like other investments have risks. Make sure you never put your money in one investment. It is important to diversify and to have regular income sources.
To learn more about UITFs, visit our UITF articles here.
I never had any idea about investment. Reading your blog help me to wake up. I read all the question which is really good to understand about investment. I work in abroad and im planning to reire at 65, im 45 y/o. So i have 20 years more before retiring, what investment you can suggest so that i have an idea. And planning to start next year Jan 2019. Thank You for your advise.
Ang lungkot pala ng ranking ng BDO balanced fund, which actually shows. Di naman siya ganun kadrastic ang bagsak and tumatalbog lang on the same numbers but still negative parin. Sakanila lang kasi convenient ang payment because of EIP.
Hi po ms fehl, bago lang po ako sa investment and balak ko rin mag-invest sa money market. when will be the best timing to invest in money market?
Hi Ms. Fehl, I'm a policy holder of BPI-Philam Equity Index Fund2 with Build-Life Plus rider for two years.
I don't have much knowledge regarding UITFs and MFs . I just read blogs and reviews that's why I decided to invest. However, upon checking the account value, its getting lower and lower everytime I check my account.
Will it recover eventually considering our current economic condition?
Index Funds were kinda slow in climbing up the charts since the start of the year. Be patient, all equities are suited for 5 years or so to appreciate in value. Cheers!
Hi Ms. Fehl, I am planning to invest in a UITF. Can you give me an idea if what are the top 3 banks that has a high ROI? I want to invest as a conservative and moderate investor.
Miss Fehl, may investment na po ako, meron po ako VUL ng bpi philam, may UITF din high dividend ng bpi. maraming salamat po sa blog nyo , malaking tulong po ito sa akin, at sa kaibigan ko po. miss Fehl may tanong sana po ako, san po maganda kumuha ng balanced fund na bangko?? maraming salamat ulit sayo.
honestly I find the comments and your replies more informative than the post itself.
Since the market is very volatile (actually downward trend), I am actually inclined to put more money in my UITF Equities (BDO and SBC). Do you see any chance the market will reverse or will it continue the downward trend? Hoping to hear your thoughts.
can you suggest perfect investment company po? okay po ba tong Rampver Financials?
i need at least top 3 po. I already have sunlife sa list ko.
G'day Ms Fehl, i have several UITF (5 in high risk funds) in three separate banks since August/September, All five funds have tumble a fair bit! Your thoughts on the current financial market, taking into account the Donald Trump win…..
Just requesting for a suggestion, My BDO Peso Balance Fund is downed by this time, Do I have to withdraw my investment and invest it some other time, or just keep it as is and wait some time to gain momentum.
I have a UITF account with Metrobank for 2 years.
Medyo bago lang ako sa investment, di ko pa kabisado lahat.
How will I know its status and after 2 years ano na ba magandang gawin?
I am one of your avid readers. Last year, I started reading about UITF and Mutual Funds. However, I stopped since I cannot comply with the requirements before (I think this was my reason).
Ngayon po, gusto ko sana na seryosohin na at paghandaan ang future and magiging family ko. I am 26 years old, I have multiple savings account (2 Passbooks and ATMs) and I have a BPI SaveUp as well. Insurance wise, meron na SaveUp and SSS po meron na ako.
Tanong ko po sana, I am not a risks taker, gusto ko sana maginvest na guaranteed meron ang ROI. Okay lng po sa akin ung matagal since yung passbook ko eh almost 5 years+ na.
Freelancer po ako, and sa ngayon, okay naman po ang work ko.
Pwede po ba kayo magsuggest ng mga products na bagay sakin?
i am interested to invest, since i am planning to avail of a long term loan, if my desired amount is approved, i would like to invest 500k to an equity fund type of investment for a 5 year term. is it advisable? or i will just be wasting time and money.
please enlighten me, i need your advise. thank you!!
Hi, I don't suggest using the money from a loan to invest on equity fund coz first, your loan has interest and you have incurred loss already. Second, equity funds are very risky and volatile. They need 5 years or so to appreciate in value. Make sure you invest only your own money or savings and that is only 20% of your total money.
Hi, sorry noob question here: What is Minimum Additional Participation? Am i required to pay this every month or just whenever i feel like it? Thanks!
I went to BDO bank in SM Marilao and asked about Mutual Fund but I was told that their bank no longer offer it and I doubt it. Instead the lady bank personnel offered me other investment products which I'm not interested in.
Is there a bank term or any other magic word that I need to utter so they can say that indeed they offer Mutual Fund?
Hi Ms. fehl, im thinking na iwithraw ko po ung equity fund sa BDO which i invested on 12/15/15 at 406/unit… can i sell it if i gain 10% this May and shift to PNB equity or wag po muna? maybe ill be needing the money 2yrs from now.and also i want to gain more profit.
What happen to SBC UITF performance? I'm starting to doubt how they manage our investment as other bank getting their performance pretty good after the election. any thoughts about this?
In the ROI column, what does — means?
*just new in investing ?
Im an aggressive one and i plan to have short term and long term period.
thank you so much. your advice is highly appreciated.
Best UITF for aggressive investors who are into sort and long term are Balanced Funds or Equity Funds.
Also, is it good to add funds even Negative ROI?
Depends upon the type of fund. If Equity Funds, I'd say negative ROI is just temporary, you need to take 3 years or so to see high returns for your fund.
i wish fund manager will do best.
What bank has a good performance in the past?
If the ROI, YOY, YTD is now negative(-), and i put fund yesterday while today have increase the NAVPU, is this consider an increase in profit?
i learn a lot, and thank you for that..
Thanks for your great article, I'm planning to invest in UITF, can you please recommend the best performing bank as of this Feb?
I would like to seek your advice on whether now (Feb 2016) would be a good time to invest on UITFs that have a direct relationship with the stock market. I am specifically referring to the PNB Enhanced Phil-Index Reference Fund. Since it is directly tied to the stock market I assume that the NAVPU of the UITF will directly reflect the stock market. Since the PSE suffered a not so good year ender last year, compared to its peak the same year, I assume that now would be a good time to buy that kind of UITF since it is low price and forecasts say that the PSE will have a good year this year.
What would be the best way to spend PHP100K for investing?
I recently just applied for a high-dividend equity fund with BPI, but realized that would only be for the long-term. I want to grow my money, but there are also some short-term goals that I want to achieve (e.g. get married within a year).
Given 100k, how would you recommend this money be spent? Should I spread it out among several UITFs/mutual funds? Thank you for your help!
What can you say about Sunlife Investment especially.their Equity Fund?
My losses in UITF in Security Bank is almost 50K. Is there a chance that my money will be lost?
Bakit mas cheaper ang unit price ng Security Bank (equity and money market fund) compared to BDO and BPI?
Because the funds from BDO and BPI have launched earlier than that of SECB. Time makes money grow.
In SECB, since mura per unit mas marami akong mabibili sa 10k compared sa BPI or BDO.
tama po ba yung ganung thinking?
thanks for the recommendation miss Fehl. how about Fixed Income Securities/ T Bill and RTB? I've read on the internet that these investment vehicle is also good? is it the same as UITF and Mutual fund? thanks in advance.
miss Fehl i started uitf which is high dividend at bpi. isnt ok if i will get philam life?
As I start my investment in uitf , what products would I better to invest with only 10k?
I am into Security Bank Peso Equity Fund for almost a year now. I started investing during its peak this year and obviously, it went way way down. Kindly advise if its a good decision to buy more units.
Just want to ask if BPI Equity INdex Fund is a good choice of Investment? thank you!
Hi Fehl. A little off the topic but what would be a good Dollar UITF? I have the minimum amount and don't want to place them in savings. I have invested in BPI Equity funds already so BPI would be a no-brainer, but i just need insights since this would be a first time to invest in Dollars.
(Sorry if you have answered this in previous comments but there are so many to backtrack!) Thanks!
I was just thinking…when I tried to check "BPI Philippine High Dividend Equity Fund" in Bloomberg to look at its performance via graph, I saw it also has a price of Php 119++. Does this mean we can also buy these using COL Financial? I'm not sure if my question makes sense. Sorry, I'm a newbie and trying to learn. Please enlighten me.
Does this mean that apart from applying for UITF through BPI, we can also directly invest on it through stocks using COL financial?
All banks offer UITFs. BDO, BPI, PNB, Metrobank are all great. Check out UITF latest performance above to have idea which UITF was performing best lately.
Hi Ms. Fel. It was many yrs. ago since I tried investing at BDO equity fund then the market crashed ,the fund manager informed me late already that i was losing some 30k in a weeks time so I panicked?asked her opinion what to do if my fund becomes zero will it still recover but couldnit give me outright answer so I pulled it out losing 30k. Can i recover the loses even if my fund run dry zero level, by not pulling out the funds?because of this i was afraid to invest my money again in yhis venture. Pls. Advise me.
BPI EQUITY VALUE FUND mag open ako ng uitf sa bpi kc nga gusto ko ung possible high return kaso di ko alam sa kanila alin maganda, aggresive investor at long term ang plano ko for my retirement.
at meron ka bang post na nkasulat un mga fees ng mutual funds at uitfs kasi nabasa ko sa mga comments para isa yun sa mga issue na consider ng gustong mag invest yung mga fees ng mutual funds at uitfs ng mga bangko.
hi fehl, salamat sa blog mo at nakakuha ako ng idea, now i decided to start investing,but my queastion is, im outside the philippines, at plan ko mgopen sa bdo uitf equity fund?
Hi. Yes, as a beginner, start at one fund. After few months, you will experience some things and you will learn more so you can open another investments that meet your risk tolerance and objective. BDO UITF are easy to monitor. If you have BDO online banking already, you can view your UITF on your dashboard and see your UITF performance and earnings. We have an article here about that too.
Ever since I joined SECB's UITF last January, the value of my money continues to dip. I am new to UITF and I fully understand the risk, but I can't help myself to be worried. Is it advisable to add more money to SECB since it's NAVPU is really low or should I hold my money for a while?
What's the type of UITF you invested?
how long is a "long term plan"? i mean, i am planning of keeping my BDO Equity UITF for atleast 20 years or i have to withdraw it every 5 years then re-invest again? what is the advisable strategy for long term investment with a 20-year horizon?
I have just completed my five year time deposit, so I can now invest more in investment funds.
What is the biggest and quickest producing fund in the Bpi roster of funds, I am disposed to assume risks.
What do you think of the BPI Philippine High Dividend Equity Fund; from its beginning and now for over a year's history, it seems to have outperformed all the other Bpi and Alfm funds maintained by Bpi asset management.
Hi Ms. Fehl, Thanks for the blogs; these are very educational, helpful and has motivated me to start investing. I've been following these blogs for nearly 2 years now but this is the first time for me to post a comment.
Ms.fhel can you explain naman po about po dun sa bagong policy ung 15% single exposure limit policy sa bdo equity fund po na ipapatupad sa july 16. Naguguluhan po kasi ako kung paano ito makakaapekto sa ininvest ko.
Me too, I have an existing bdo equity fund and I'm a bit confused about it, so far 5k is debited monthly on my account and when I checked my July account, 10k was deducted straight away. It's really annoying and frustrated since I only opted 5k a month how come they took 10k without giving me info personally about any changes?
hello Ms Fhel.. reading ur artcles helped me a lot about investing. Thanks to u talaga! Anyway, ask ko lang p sana, i have 3 COP at BDo. One is a 30k one time investment sa UITF Equity, ang dalawa po ay sa EIP ko po na tig 2K every month. I get a COP everytime aabot ng 10k ang hulog ko sa EIP. Now from 2k, ginawa ko syang tig 5k, so evry after 2 months another COP nanaman. what do u think should i do po? kasi sa nabasa ko dito sa mga comments, merong charges evry COP po? do u think e pull out ko lahat pag aabot ng 100k and invest ko one time? need ur guidance po talaga… thanks!
As far as I know there is no charge for every COP. It's still up to you what you prefer – one time placement or periodic placement (EIP). EIP works for me so I prefer it.
Don't worry guys if the market now is down… GANUN TALAGA and BUSINESS. Hindi naman pwede na puro UP NG UP na lang….. This investment was formulated with a purpose… This will test as well your risk appetite and on how you respond to it. Don't panic or else your fund will get killed. relax lang, AFTER 3 YEARS or so… tingnan lang natin kong di ka mag harvest ng reward. Kaya patience.. okay.. kapag bumama ung price it DOESN'T mean na bumaba din ang shares mo. NO!!!…. The figure of your money lng yan…. kaya nga wag nyo ebenta. In fact, that's the perfect time to buy more shares kasi mura lng.
Mam. I need ur advice:)) More tips and knowlege. Email me plz. Thanks.
Hi, Ms Fehl ask ko lang po kung bakit mas mataas ang navpu ng bdo equity kay bpi equity fund? May effect din po ba kapag mataas ang ROI sa kikitain ng pera mo sa fund na paglalagyan mo po? Ngayon po ba na bagsak ang stock market mas magandang maginvest? Please enlighten me mam plan ko na po kase kumuha ng UITF equity fund undecided pa din po ako kung sa bpi or bdo? Please reply Godbless po.
The stock market is also down, it's a normal cycle no worries. Everything will eventually come back to bullish stage. UITF have risks so you must not panic when the market is down. Babalik din naman yan. Follow your TARGET. You have a goal or a target right?
Would the peso cost average method be advisable for UITFs as well, or is it better to invest one-time lang instead of partial amount every month?
Hi ms fehl,magandang araw sayo!my mom invest in bpi equity..dhil hindi nga pwede tru online @ this bank i prefer @ bdo so temporary mom q n lng muna ng invest @ i am her defendent.i chose 3 funds in equity ng BPI @ 1 lng po sna aplayan q kun san pnk mgnda s 3.so she ask the advice of the banker..kaso po suggest s mom q n ms mgnda ung 3 funds na po n un get nia instead of 1 lng sna ms fehl.do you think tama po advice s mom q @tama po bng strategy un?this is not considered diversification right?how about the trust fee?i need to pay 3 instead of 1 in 1 fund.thanks ms fehl!my uitf din po aq in bdo @ MF ,i want sunlife.
I'm fairly new to investing. I'm planning to invest but can't choose a bank. Any advise on this?
I picked BDO, start na po yung contribution nung May 5. Hopefully it goes well, then I'll open other accounts sa ibang banks.
Magandang umaga po Ms. Fehl. Gusto ko lang po linawin about sa BPI-Philam Equity Index Fund 2. It is under their Invest Plus Peso Policy. Tama po bang hindi po guaranteed ng BPI & PDIC ang financial products ng BPI-Philam? So, it means if somehting bad happens to the company(BPI-Philam) wag naman sana. Bye-bye narin sa investment ko? Im still confuse if i'm going to go ahead with my investment or not. Please enlighten me. Thank you po.
Hi, UITFs are not insured under PDIC because they are not deposit accounts 🙂 If the funds didn't perform well, your investment will also do the same.
Can you withdraw the 5,455 agad? Or for long term pa din po? Also, may top up pa ito ?
Same po tau ng kinuha ng fund sa BPI-Philam, kaso dq alam pano ma track ang growth ng ni invest q.
Annualy payment q is Php 67, 758 naka 1 year na po ako.
Ask ko lng po san kau ngbase ng growth ng investment nyo?
I would appreciate insights you might have on SB Peso Equity Fund. There is no doubt that it did exceedingly well last year, therefore YOY it would really be at the top. I invested on it last month but I am starting to feel uncomfortable about my investment as its NAVPU has been going down. I know that UITF's are supposed to be long-term investments but I feel so tempted to pull out already. Honeymoon stage pa lang kami supposedly ng aking investment pero ganito agad ang performance tsk tsk tsk.
Would you have an idea on its prospects and/or NIKL stocks which I think is where they have heavily invested on?
Is it wise to invest now in SB peso equity fund that their NAVPU has been going down?
Hi Ms. Fehl, I am considering UITF for my dollar account which is around $12k. Where will you recommend to put my money? I'm thinking of choosing equity for 5 years or more. What advice can you give me?
At which bank would you recommend me? Thank you!
A pleasant day Ms.Fehl, any updates and reviews on performance of UITF for 1st 3mos of UITF???
Much appreciate po kung meron na, plan ko po start sana this April 2015..God bless.
Is it ok to put some of your Emergency Fund in UITF money market fund and not withdraw it up until you need it?
I want to clarify there is a withholding tax of 20 % for UITF , my investment is SB PESO security fund , you mean when I withdraw my funds from Security bank there is a 20 % charge is that right ?
I have been reading your blog 2 weeks ago and starting to open a MF account at Philequity – Philequity Fund for my future since im projecting a long term investment. However, i have also plan to open an account in UITF for my son for his education come 15 years after. Is it advisable to invest in UITF (Balance Fund) for an educational plan? If not, what would be your recommendation?
Yes, Balanced Fund are great in your case if you put them for 2-3 years.
I also have MF (Equity fund) but I want to try UITF too (same as Mr Robb). For Educational savings din po but I intend to not touch them for at least 10 years.
Medyo confused lang po ako (knowing na great risk ang UITF Equity pero "regulated by BSP"), tama po bang I-assume na pag bagsak ang Equity ng MF, ganun din ang sa UITF (say for example yung case ng 2008), so it would be better to stick to UITF Balanced Fund for Educational Savings?
Ask lang po where can i invest a Mutual fund ? I ask BdO they dont have mutual fund.
To increase my knowledge on stocks investment can you please suggest where can i attend some "free" seminars on investments.
Im thinking of P50,000 UITFs and P50,000 Mutual Fund at the same time sa Security Bank. Would that be a good start???
SECB has no Mutual Fund.
I just noticed that the long term bond fund category has the same entries as the medium term bond fund category.
Hi, I updated the date above. Thanks!
This site is very useful for people like me with little knowlede about investment. It gives me lot of very useful information. Job well done Fehl.
I am an OFW here in Saudi Arabia and most of my money are on time deposit. The interest rate is very small that's why i already reading books about stock market, reading blogs, watching tutorials but i think i don't have enough time to check the stock market from time to time. And then I know about the mutual fund and uitf. Mukhang ok sya sa akin who don't have enough time to check the movement of the stock market kasi may fund manager who manage my investment. Hopefully maka open na ako on may vacation this March 2015. Sabi mo nga, the earlier, the better.
SB's equity fund is really tempting for me to invest and i believe many people are putting their money on this right now. My question is, will navpu be affected if too many people will invest on this fund at a particular period of time. How significant will this be?
Yes, Generali is partnered with BDO and you can avail of that product on BDO branches. It's insurance + investment plan.
I noticed that SB's Equity Fund dropped for the 3rd time this week, do you think this is the best time to top up since I have an existing account on them?
i just checked the navpu of bpi this day 20 january 2015… and all is zero as in lahat ng units zero.. why is that??? is this just some kind of mistake or what?? if i invested 20K in bpi uitf does it mean na zero na din ung inivest ko???
It's normal when the system is not yet updated 🙂 No worries. It's just their website. Wait for few minutes to check again.
Been waiting for this article from you. Thank you! 🙂 My next investment plan is to invest in MF. So I have 1 UITF already. I have a question though, that intermediate term UITF you say is ideally good for 1 year, what if I still don't need the money and let it stay there for another 1 year is it OK? I'm a moderately conservative type of investor but I also wanted to have a long term investment but suitable investments for me are only bond funds/growth funds. I hope you can enlighten me by giving some tips. Would you recommend that the MF account im planning to invest is a long term one and UITFS be the intermediate term? Thank you very much Ms. Fehl!
Hi Ms. Fehl, I have a question re: UITF NAVPU. I opened an account today with a minimum starting of P10K which have a NAVPU of P2. After 2 months, I decided to add another P10K with a NAVPU of P3 for that day. Will my 2nd P10K used the P3 NAVPU or still the P2? Thank you.
Thank you Ms. Fehl for this update! 🙂 Your blogs really help us newbie investors! God bless you!
Hi Ms. Fhel! 🙂 Security Bank seems to be performing well.. Do they offer something like BDO's EIP? Thank you!
I still prefer mutual funds, Your income in UITF is subjected to a 20% withholding tax, mutual fund is not.
20% tax is only applicable for fixed income and Metrobank is one of the banks who does this. I suggest you check the portfolio of what you are investing in to avoid regrets about the charges. Try also to compare the charges being imposed by diff banks on UITF then make a decision and choose which among of those will lessen your burden on various charges.
if ever i invest my 10,000 to ALI and i want it add 20k on it is it possible that my dividend will incerease annually?
UITF is a separate account. But, yes you can use your funds from your existing bank account to create your UITF account. You cannot earn dividends thru UITF like you do when you have stocks in the PSE. Yes, the more shares of stocks you have at the ex-date, the more dividends you will receive when that certain company issue them.


text:
Q: Routing error in rendering partial form I'm making a project for which I have a class online_score which has as one of its attributes an array called url of online_score_url objects. What I did up to now is the following. The code might be a little dirty because I'm constantly trying new things, but as soon as I get it working, I'll clean it up.
views/online_score/new:

Links:

<%f.fields_for :url do |f| %>

<%= f.label :url %>  <%= f.url_field :url, :value => "http://www.google.be"%>
<%= f.label :description %>  <%= f.text_field :description %>
<%= link_to_remove_fields "remove", f %>

<%end %>
<%= add_url_link "Add Another link", f %> #works fine if I remove this rule

views/online_score/_online_score_url_fields:
<%= f.fields_for :item do |b| %>

<%= b.label :url %>  <%= b.url_field :url, :value => "http://www.google.be"%>
<%= b.label :description %>  <%#= b.text_field :description %>
<%= link_to_remove_fields "remove", b %>

<% end %>

My problem is now that I want to be able to dynamically add inputs for online_score_urlobjects which I try to do with JQuery. I try to do this by rendering the partial like so:
helpers/online_scores_helper.rb:
def add_url_link(name, f)
link_to_function name do |page|
  item = OnlineScoreUrl.new("", "")
  instrument_online_score = render :partial => "online_score_url_fields", :locals => {:f => f, :item => item}

  page << %{
    $('.links').append("#{ escape_javascript online_score_url }");
  }
end
end

The problem now is that it gives the following error:

ActionController::RoutingError in Online_scores#new
Showing /home/kvhooreb/jenna_vopro/score/app/views/online_scores/new.html.erb where line >#22 raised:
No route matches {:action=>"show", :controller=>"online_scores", :locale=>:en}
  Extracted source (around line #22):
19:
  20:     <%#= render "online_score_url_fields", :f => f %>
  21:   <%end %>
  22:   <%= add_url_link "Add Another link", f %>
  23:
  24:
  25:
  Rails.root: /home/kvhooreb/jenna_vopro/score
Application Trace | Framework Trace | Full Trace
  app/helpers/online_scores_helper.rb:20:in block in add_url_link'
  app/helpers/online_scores_helper.rb:15:inadd_url_link'
  app/views/online_scores/new.html.erb:22:in block in >_app_views_online_scores_new_html_erb__1492671958001855269_22836400_2958786211230549542'
  app/views/online_scores/new.html.erb:3:in >_app_views_online_scores_new_html_erb__1492671958001855269_22836400_2958786211230549542'
  Request
Parameters:
{"piece"=>"1",
  "locale"=>"en"}

Now I have no clue what causes this. Does anyone have an idea?
Thanks for your time.

A: Based off the information you've provided, I am going to assume the problem is in app/helpers/online_scores_helper.rb, specifically, this line:
$('.links').append("#{ escape_javascript online_score_url }");

If you've defined a standard resource for online_scores, you either are referring to a specific online score record online_score_url(online_score.id), or referring to the list of online scores online_score_urls.
online_score_url, being singular, normally would expect an id in order to render the route.  Without it, you would get the error message:
"No route matches {:action=>"show", :controller=>"online_scores", :locale=>:en} Extracted source (around line #22):"


text:
Svetovno prvenstvo v smučarskih poletih 2016 je bilo štiriindvajseto svetovno prvenstvo v smučarskih poletih, ki je potekalo med 14. in 17. januarjem 2016 na letalnici Kulm v Bad Mitterndorfu, Avstrija. Zlato medaljo je osvojil Peter Prevc, srebrno Kenneth Gangnes, bronasto pa Stefan Kraft. Na ekipni tekmi je zlato medaljo osvojila Norveška, srebrno Nemčija, bronasto pa Avstrija.

Rezultati

Posamična tekma

Ekipna tekma

Viri
 Uradni rezultati na fis-ski.com

2016
2016 v športu
Športne prireditve v Avstriji
Bad Mitterndorf

redpajama_set_name: RedPajamaWikipedia


text:
Home News Pakistani intelligence services offered UK hitman £100,000 to kill dissident blogger, court...
Pakistani intelligence services offered UK hitman £100,000 to kill dissident blogger, court told
A hitman was offered £100,000 by Pakistani intelligence services to kill a dissident blogger who criticised the army, a court has heard.
Muhammad Gohir Khan, 31, a supermarket worker, is alleged to have travelled to the Netherlands and bought a knife in a failed plot to murder blogger Ahmad Waqas Goraya.
Mr Gorya, who had left Pakistan in 2010, frequently called the country a "terrorist state" and mocked the military in online posts.
In December 2018, he was told he was on a "kill list" by the FBI and believes he received threats "led and orchestrated" by the Pakistani ISI intelligence agency, Kingston Crown Court heard.
Khan was heavily in debt, owing creditors more than £200,000, and was "enthusiastic" about carrying out the killing to earn money, the court was told.
Prosecutor Alison Morgan QC said: "There will be no dispute in this case but that there was a plot to kill Mr Goraya. Someone wanted him to be killed, and it may well be that the motive for killing him was linked to his political activism.
"Those who wanted Mr Goraya dead were prepared to pay money to ensure that happened."
Ms Morgan said Khan accepts he "gave the appearance" of being part of the plot between February and June last year but claims he "intended to get his cash and not go through with the killing".
Khan, who lived with his parents, wife and six children in Forest Gate, east London, denies conspiracy to murder.
The alleged plotters referred to targets as "fish" in messages as they finalised the deal, with Khan to receive a £5,000 advance for "operational expenses", the court was told.
In one message to a contact known as "Mudz" or "Zed", Khan said: "I need to arrange fishing rods and accessories," in what the prosecutor said was a reference to sourcing a weapon.
The trial is ongoing.
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Risk management has become a critical part of doing business in the twenty-first century. This book is a collection of material about enterprise risk management, and the role of risk in decision making. Part I introduces the topic of enterprise risk management. Part II presents enterprise risk management from perspectives of finance, accounting, insurance, supply chain operations, and project management. Technology tools are addressed in Part III, including financial models of risk as well as accounting aspects, using data envelopment analysis, neural network tools for credit risk evaluation, and real option analysis applied to information techn- ogy outsourcing. In Part IV, three chapters present enterprise risk management experience in China, including banking, chemical plant operations, and information technology. Lincoln, USA David L. Olson Toronto, Canada Desheng Wu February 2008 v Contents Part I Preliminary 1 Introduction. 3 David L. Olson & Desheng Wu 2 The Human Reaction to Risk and Opportunity. 7 David R. Koenig Part II ERM Perspectives 3 Enterprise Risk Management: Financial and Accounting Perspectives. 25 Desheng Wu & David L. Olson 4 An Empirical Study on Enterprise Risk Management in Insurance. 39 Madhusudan Acharyya 5 Supply Chain Risk Management. 57 David L. Olson & Desheng Wu 6 Two Polar Concept of Project Risk Management. 69 Seyed Mohammad Seyedhoseini, Siamak Noori & Mohammed AliHatefi Part III ERM Technologies 7 The Mathematics of Risk Transfer. 95 Marcos Escobar & Luis Seco 8 Stable Models in Risk Management.


Yesterday I was involved in the most awesome opportunity. I still cant believe it and feel like I need to be pinched so I know it was for real. Me and two other bloggers got to be in on a conference call with Pat and Gina Neely from Down Home with the Neely's. IKE'S!!!!!!!!!!!!!! The Neely's have partnered with Sam's club to help spread the word about easy entertaining for the holidays. The name of the event is Holiday Taste of Sam's. The Neely's shared with all of us their secrets to easy entertaining. From what foods to serve to how much to have on hand. We got to ask Pat and Gina a few questions of our own on Holiday Entertaining. IKE'S again!!!!!! Pat suggested to always keep items such as frozen meatballs and smokies for drop in guests. Serve them in a savory sauce and you have a quick appetizer. Gina suggested to me a quick entertaining foods for the kids. Little Piggy's in a blanket, we all know how much Gina loves her piggies. She said the addition of a little honey takes those piggies over the top. Pre bagged vegetable for dipping and fruits along with a quick fruit dip, all the kiddos love that. I still cant believe I got to ask The Neely's a question!!! Pat also swears by his Famous Chili to be the best recipe around. I have their cookbook so I can vouch for this recipe.
We got to listen to Pat tell us their story of how him and Gina met, truly a fairytale and the luckiest man in the world Pat says. They started off a a long while back opening up their first BBQ Restaurant Neely's Barb–B-Que with no cash register and a two burner eye to cook on. With the money they made on their opening night Pat used part of it to purchase a $80 cash register from Sam's Club. So you see Sam's Club has been apart of their life for some time now. If you don't have their cookbook Down Home with the Neely's " A Southern Family Cookbook" I highly recommend it. Great recipes from cover to end. Southern Food and BBQ what a combo you cant go wrong. The Neely's are working on their 2nd cookbook planned to be released next Fall, I cant wait to get my hands on their second cookbook.
What is the Holiday Taste of Sam's? well, members and non members can go into their local Sam's Club this weekend and sample foods that they could use for holiday entertaining. Foods like spiral ham, rack of lamb, cheesecakes, different cheeses and hand dipped chocolate desserts . There will be samples and recipe cards along with different demonstrations. It is also a perfect opportunity to learn more about Sam's Club. You really need to go, My family went today and sampled on a bunch of different items. We came home with summer sausage, crackers, different cheeses, dips and more so I think we are set for the upcoming holidays. When is the event?
Here is a video from Pat and Gina Neely on the Holiday Taste of Sam's event. I have also included a printable coupon below. If you are not a member of Sam's Club you can print off the one day pass and get in on all the fun. Plus don't forget you can watch Pat and Gina on Down Home with The Neely's every Saturday 11 am 10 am central time on the Food Network!
Just click on the pass to print.
I just want to say Thank you to Pat and Gina Neely for sharing a little of your time out of your busy schedule to chat with us. This will be something I will remember for a long time. You are as gracious and delightful as you are on TV truly a sweet couple. Thank you for all your advice and tips. And thank you Ashley for the wonderful opportunity.
I am so happy for you! What an exciting experience! I love watching the Neely's show, but haven't gotten the cookbook. I visit Sam's at least once a week. Everything is such a bargain, I strongly recommend the club membership that is one step up, the advantage plus I think, it pays for itself fast. I rarely buy the prepared foods there. But the staples are so cheap, like flour, yeast, OJ, milk, etc. I calculated I can pay for my membership only on my OJ savings. I love getting some of the fancy cheeses and sausages at the holidays. And they have great deals on everything else you need too. We buy toys, tires, everything, we always check there first. We just got a Sharp Aquos 55 inch $400 off Sam's low price just because it didn't have a box, and 6 months same as cash on top of that. Anyway I LOVE them too!
I went to Rachael Ray's book signing last year! It's so fun to meet these people in person!
Hi Tina, I wish I could get to Sams this weekend but my daughter is getting married and we are having an engagement party today. I love the Neelys! I think I would have been so nervous I wouldnt have even been able to think what to ask. I'm so excited for ya! I am going to get that cookbook and try the chili. Their recipes are great and so is the show. Have a wonderful Thanksgiving!
P.S. Freezing the cheese logs work out just fine. Have a safe trip to your MIL's.
Thank you so much for the reply Joan. I had about a week to think of my ? so i was good on that. But i was excited and nervous all at the same time. Congrats to your daughter how sweet you are gaining a son.
Wow, too cool for words. I like them. I always think how it would be cool if my hubs would cook with me in the kitchen.
i have been menu planning for the past several months and i am loving it! thank you very much!
How exciting for you! It sounds like you had a blast and got some awesome tips! Congrats! Swinging in from SITS!
What a great oppportunity! It looks like you had so much fun.
What an exciting opportunity to get to listen in and ask questions from someone you admire so much.
Isn't it amazing how the blog world has opened up doors like this for so many of us?
Stopping in from SITS link up. Hope you had a great holiday!


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Glaswegians left stunned as landlord says tenant must ask permission to shower
The advertisement states the live-in-landlord is looking to let out their room in a converted church in the south side of Glasgow for £700 per month - and has left people infuriated.
Glasgow Live
The room near Queen's Park. (Image: SpareRoom)
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People have been left stunned after a Glasgow landlord put up an advert requiring tenants to ask permission before showering.
The live-in-landlord is looking to let out their room in a converted church in Crosshill near Queen's Park in the south side.
The room is up for rent for £700 per month. They are looking for a preferably female tenant aged between 30 and 50.
The landlord has said that the tenant would have their own bathroom, but will need to arrange when they use the shower or bath facilities.
The property description on SpareRoom reads: "I work from home, and am looking for a 30s or 40s year-old non-smoking, non-vaping individual to rent my spare room. This is ideal for an NHS worker at the New Victoria Hospital located opposite and for anyone who is not WFH.
"You will have use of my shower and your own downstairs bathroom with a roll-top bath, which I will also have access to (times tba in advance).
"The cost is £700 pcm and includes all bills. There is a visitor parking space in the car park, which you can make use of if available.
"No pets allowed. You can have guests if agreed in advance.
"There are excellent transport links. Buses 4 and 6 stop a minute away from my home, and the train station Queen's Park is a 5-minute walk away. Glasgow city centre is 2 miles from my home.
"My home is opposite Queen's Park in the up-and-coming G42 area at the top of Victoria Road. There is easy access to Sainsbury's, Lidl, cool bars and restaurants, as well as coffee shops. Locavore is a 10-minute walk away."
The advert has raised eyebrows, with people taking to social media to air their annoyance.
One person tweeted: "Pay this live-in landlord a cool £700pcm for a room from Mon - Fri only . Shower times TBA in advance. Visitors TBA in advance. In the ~up and coming~ G42 area! You only have to do 30% of the cleaning! Weekends negotiable at extra cost, but only sometimes ok?"
Another added: "It's very long way of just saying "I am an awful human, and I want you cover my mortgage and bills".
Meanwhile, another person said: "Looks like you do not get to use the living room. £750 a month for a bedroom and ensuite bathroom which you have to allow the landlady use of (presumably accessed via your room?), but you can use her shower so that's a bonus."
Christmas presents for less fortunate Scots children campaign raises more than £15,000
Glasgow odds for a White Christmas increase amid heavy snow due to Storm Barra
New Victoria Hospital


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The Sessions: Movie Review
An adult man coming-of-age with sex therapy, personal guidance and false sympathy.
Crowned as the King of Independent Cinema, John Hawkes is starring in what was supposed to be the indie movie of the year. "The Sessions" is about the true story of Mark O'Brien a man left debilitated after suffering from Polio as a child. He works as a journalist, spends his time being taken care of by a personal nurse and goes to church for spiritual inspiration and guidance. And in 1988, decides it's the year he's going to lose his virginity. 2012
Directed by: Ben Lewin
Screenplay by: Ben Lewin
Starring: John Hawkes, Helen Hunt, William H. Macy and Moon Bloodgood
His fear of his nurse at the beginning of the film led him to the new Priest, Father Brendan (William H. Macy) to help with his ethical dilemmas. He was my second favourite character; perhaps a bit too loose on the moral law of religion, but that suits me just fine.
Mark then picked a young pretty nurse who he was sexually attracted to. Amanda (Annika Marks) was a well written character. She's young and earnest and honestly wants to help people. It's not surprising that she fell in love with Mark after the way he would look at her and appreciate her, especially in contrast to her boyfriend. Needless to say, they weren't in love in the same way.
But at this point, Mark is even more determined to not necessarily find his soulmate but find a woman who will love him in a sexual way. He hires two nurses this time; a young attractive girl again but also a butch man. Rod can be a friend and a touch-point to his manliness, while Vera (Moon Bloodgood) is a beautiful but independent young woman with a fierce but sweet determination. She was my favourite character and when the film started treating her with less respect than deserved, it was hard to keep enjoying and appreciating it.
Eventually Mark finds his way to Cheryl (Helen Hunt), a sex therapist. Upon payment, she will introduce him to his sexual self and help take his virginity. I am among the group of people who believe this is really just a legal form of prostitution. The unsurprising conflict comes when Mark confuses the sessions for real life.
The film has refreshingly frank dialogue and Hunt shows no fear, willing to bare all for the sake of true drama. But I was disgusted by the lack of discussion and precaution for sexually transmitted diseases, and ultimately the main characters, Mark and Cheryl, appeared more selfish than sympathetic and the latter paraded an extremely selfish nature under the guise of altruism. "The Sessions" hits all the right notes for a wonderfully comedic and touching drama, but depending where your sympathies lie, some of it is just a bit too unfair.
Labels: 400 Word Reviews, 6 Star Movies, Comedy, Drama, Mid-Life Crisis, Romance, Romantic Drama
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Electric shades are becoming a standard in high end luxury condos and new construction. Some developers offer a complete system while others leave wiring in place for future installation.
Traditionally roller shades used the same motors as owning. These motors were very large mostly wired motors and quite noisy.
New window treatments motorization technology in recent years are bringing to the market, smaller motors with built in RF controls that are quiet. These motors although smaller are powerful motors that are capable of lifting shade up to 16 feet wide and even more.
In addition these motors offer many control options such as Wireless RTS, iPhone & iPad, home automation system via RS485 and Z-Wave systems.
advantages and differ by the amount of wiring needed, the maintenance and price.
Call for an in home consultation to learn which system is best for your home.
The design phase begins normally with a meeting in the apartment, office or the space where electric shades are needed. Based on our clients light control needs, the number of window their location and size we can recommend an electric shade system (high voltage, low voltage, battery operated)controlling the shades can be done via remote, a wall switch, iPhone app or a 3rd party system. Fabric selection comes next and finally choosing an enclosure for the shade itself. It can be a metal fascia, a flexible valance, a painted cornice or a pocket.
New controls from Lutron and Somfy offer wireless switches that do not need any wiring.
Installing electric shades require more skill and wight lifting since shades are heavier and motors have special adapters, adjastable brackets and wires that needed to be accounted for. In addition shades must be perfectly leveled. In many cased installation of electric shades requires drilling into a concrete slab ceiling however with the right equipment it becomes an easy task for our installers.
Once electric shades are hanged and the are working, adjustments are needed to make sure they open and close and stop at the right place. This is done via programming using a remote control.
A new shade control iPhone/iPad app is now available from Somfy Systems. The programming commands can be copied from the remote to the app console.
When a 3rd party integration is needed. Our installers would program a remote or a keypad to control the shades and a home automation professional would conned his system (most often via RS 485, RS 232 or Dry contact) to our system and program command to be translated to the shade system installed.
4 major types of systems: Wired Technology, Infrared Technology, RTS Radio Technology Somfy and Inteligent Wired Technology.
Each system varies in the way each shade gets powered and in the way it is controlled.
In the past most systems were High Voltage 110V AC systems, however in recent years there is a move towards Low Voltage 24V DC systems that will eliminate the need for wiring by a certified electrician. In addition low voltage systems such as the Sonesse™ 50 and Sonesse™ 30 feature quiet motor operation at a level of 44 dBA from 3 feet away (1 m). For smaller applications a Battery Operated LT30 Motor can be used.
With the advantage of eliminating wiring comes the burden of replacing batteries every 1-2 years.
Wired Technlogy, the oldest and arguably traditionally most reliable where each shade would have an AC motor wired to a Decorator IGC Switch. The switch will be hardwired and will power the shade sending a signal for up or down movement. For multiple shades installed in a single room and IGC/3N Decorator Switch will act as a group control to operate all shades as one. Integration with a third-party system would be done via a contact clusure componenet, see integration bellow.
Infrared Technology came later to accomodate using a remote control to operate each shade.
This technology uses a "Point and Shoot" operation where an infrared reciever eye would be attached to each shade and a Single or Eight Channel Transmitter would be used to control the shades. Infrared motors typically will be hardwired or connected to an Ifrared IGC switch. An Infrared IGC switch will act as an alternative way to control the shade as well as eliminate the need for an Infrared reciever eye which is part of the switch.
Radio Technology Somfy which is the current standard uses Wireless Radio Frequency waves(RF) for control. With this technology each shade powered via hardwiring and control is done with a RTS Telis Hand-held Transmitter or a DecoFlex Wireless Wall Switch. There is no more need to wire between the shade and the switch. And controlling the shade is made easier with more reliable RF waves that eliminates the need for "Point and Shoot".
RTS has opened the door for more easier third-party integration via a Universal RTS wireless interface see more about integration bellow.
In many case shades can be coupled with an Intermediate Support Bracket to create a 2 panel shade that will be operated via a single motor (to save on the cost). There is even a 90 degrees Intermediate Bracket will accomodate corners.
Each shade manufacturer is using a different tube with single or multiple grooves thus requirig different adapters to be mounted on the motor prior to inserting it into the tube.
A top cover or a Metal Fascia is typically used to hide the roll and brackets and wiring.
Metal Fascia is available in White, Vanilla, Bronze, Black and Annodized.
Phifer SheerWeave and Mermet fabrics are commonly used with Roller Blinds and Solar Screen Shades for a list of available fabrics visit our Fabrics Search Page.
Controlling electric Roller Blinds system can be done via wall a switch, a hand-heald transmitter, a timer, a sun sensor, a group control and a third party home automation system.
or RTS system is used, the budget of for the project and if a third-party system is added to create a full home automation system. Sometimes its just about the design aspect since after all a hand-held transmitter is the actual interfact between you and the system.
and requires no wires for installation. It is powered by a battery that requires changing every 2 years (depending on use). A new DecoFlex Tabletop is out on the market with a new design.
Telis hand-held remote transmitters are the standard for RTS technology and with time the design has imporved from the old Telis to a newer Telis Pure and Telis Lounge (see above). The first versions were able to conrol 1-5 groups of shades but now there is a new Telis 16 to control up to 16 groups of shades.
Impresario Chronis and Chronis Comfort are 2 timer based remote transmitters using RTS technology to control rasing and lowering Roller Blinds System at a desired time of day.
When going to sleep at night the shades are lowered. In the morning at a desired time (not too early) the shades are raised to let the sun in and help to wake up.
Sunis Sun Sensor may be used to schedule operating the shades based on the weather and the amount of sun. On a clowdy day shades will be raised to let more light into the reoom and on a sunny day a SheerWeave Solar Screen shade will be lowerd to protect the furniture and eliminate glare.
Lutron Sivoia QED, Sivoia QS and QS Wireless shades are installed on 1.25" to 3.75" tubes. For most residential application roller 20 ™ or roller 64 ™ are sufficient unless coupling is required. Coupling more than one shade to operate with a single electronic drive unit (EDU) create cost saving but allows for less control (coupled shades will go up and down as one unit). Roller 100 ™ is the most common for coupling 2 or 3 shades, however to couple 6 shades together use Roller 200CW (Curtain Wall). The new roller 150 ™ is similar to the roller 100 ™ but with greater lifting capability up to 150 SF.
Lutron provides a universal bracket one-piece design. Same bracket is used for left and right side of the tube. For roller 100 ™ and roller 200CW however there is a 2 piece bracket that allows leveling and more flexible installation.
In many residential applications clients may ask to blackout a room or to have a dual shade system one to filter out the light and the other to block the light. Lutron provide custom dual-mount bracket that allows the fabric to unroll closer to the glass and minimize the space required for installation. (Shades are installed one above the other). 2.5" side channels are available to facilitate blackout conditions.
Roller 20 ™ and Roller 64 ™ can be installed inside a 3.75" wide x 3.75" high metal fascia or a pocket in various colors. A Curved fascia is also available for the Roller 64tm system. Roller 100tm, Roller 150tm and Roller 200CW will require a 4.75" wide x 5" high pocket.
In addition to standard SheerWeave Phifer fabrics and Mermet fabrics, Lutron carries a selected gallery collection of Metallic Sculpted and Textured fabrics. For future information visit one of our showrooms to see samples and select colors.
Lutron Sivoia QED (Quiet Electronic Drive) and Sivoia QS are quiet low voltage systems. Lutron electronic drive unit (EDU) operates at near-silent noise level only 38dBA at 3ft/1m away (44 dBA for Roller 20tm). Each EDU can be configured and reprogrammed at the point of control without any rewiring, without access to the EDU, and without the use of a group controller. Any group of shades will adjust itself to move in perfect alignment with the each other.
QED is an infrared based system while QS uses RF (Radio Frequency) signals. All types of roller systems mentioned above can be either QED controlled or QS controlled. A new version of QS that was rolled out in 2010 offers a wireless controlled QS system with a new wireless Pico™ control that can be used as a handheld remote, wall mount, or on a tabletop.
Transforming current to 24V AC is done via an individual transformer or a power panel. To eliminate the amount of wiring and in small applications a plug-in transformer (like an SV-50SF-PI or SV-100SF-PI) is used. As an alternative an SV-100SF-JBOX transformer can be used connecting it directly to a JBOX.
In bigger applications with multiple shades, a power panel solution is superior. All the shades are wired directly to a power panel with low voltage wiring. And only the power panel needs to be hardwired by an electrician.
SV-IR-WH Infrared Receiver (Infrared eye) is connected to an EDU to enable controlling the shade via an Infrared remote control such as the SVIT-WH or SVIT-SH-WH. To enable QS Wireless to work with Pico® wireless control an RF receiver is connected to a QS EDU instead.
and Architectural (non-insert) styles. Lutron controls are also available with custom engraving options.


Giving the Nobel Peace Prize to Chinese dissident Liu Xiaobo was a "blasphemy", China said on Friday (July 14) as it faced a barrage of criticism over the democracy activist's death.
Foreign ministry spokesman Geng Shuang also said China had lodged protests with "certain countries" for interfering in its "judicial sovereignty". The US, Germany, France and the United Nations have criticised Beijing after Liu died on Thursday aged 61 following a battle with liver cancer while in jail.
"Conferring the prize to such a person goes against the purposes of this award. It's a blasphemy of the peace prize," Geng told a regular news briefing.
Geng said China would not make a prejudgement about whether Liu's widow, who has been kept under house arrest since 2010, would be allowed to go overseas as demanded by several countries and human rights groups.
"We lodged representations with the countries that have made irresponsible remarks," Geng said.


Here, two integer objects with values 1 and 2 are assigned to variables a and b respectively, and one string object with the value "john" is assigned to the variable c.
The data stored in memory can be of many types. For example, a person's age is stored as a numeric value and his or her address is stored as alphanumeric characters. Python has various standard data types that are used to define the operations possible on them and the storage method for each of them.
Lists are the most versatile of Python's compound data types. A list contains items separated by commas and enclosed within square brackets (). To some extent, lists are similar to arrays in C. One difference between them is that all the items belonging to a list can be of different data type.
dict['one'] = "This is one"
dict     = "This is two"
Dictionaries have no concept of order among elements. It is incorrect to say that the elements are "out of order"; they are simply unordered.


Bako National Park is a national park in Kuching Division, Sarawak, Malaysia. Established in 1957, it is the oldest national park in Sarawak. It covers an area of 27.27 square kilometres (10.53 sq mi) at the tip of the Muara Tebas peninsula at the mouth of the Bako and Kuching Rivers. It is approximately 40 kilometres (25 mi) by road from Kuching. Millions of years of erosion of the sandstone have created a coastline of steep cliffs, rocky headlands and stretches of white, sandy bays. Wave erosion at the base of the cliffs has carved many of the rocky headlands into fantastically shaped sea arches and seastacks with colored patterns formed by iron deposition.The most famous of them is shaped like a cobra's head which can be spotted on a boat ride from the headquarters or one of the beaches. Some of these rock formations can be seen on entry to the Teluk Assam Beach, which fronts the park. The park can only be reached by a 20-minute boat ride from the village of Kampung Bako. It is often visited as a day-trip from Kuching, though accommodations (campground and forestry service bungalows) are available.
Bako is one of the smallest national parks in Sarawak. However, it features multiple biomes (including rainforest), abundant wildlife, jungle streams and waterfalls, secluded beaches, and trekking trails. A network of 16 marked walking trails of different lengths allows visitors access. In addition, various beaches are accessible by boat from Kampung Bako or Teluk Assam, as well as a geologically interesting sea stack rock formation. The range of attractions and activities in a compact area have made Bako one of the most popular parks in Sarawak.


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Biography Antoni Gaudi - Barcelona's famous modernist architect
Barcelona's most famous modernist architect
Antoni Gaudí - full name Antoni Plàcid Guillem Gaudí Cornet - was a Catalan architect of Spanish nationality. He is Barcelona's and perhaps also Spain's most famous architect.
Seven of his most amazing structures in Barcelona are listed as UNESCO World Heritage sites, The Gaudí structures are visited by around 13 million people every year.
Antoni Gaudí was born one hour south of Barcelona in Reus in 1852. He died in 1926 when he was tragically hit by a tram. The still unfinished temple church of La Sagrada Familia is his most famous building in Barcelona.
At the time of this death he was working exclusively on this temple which is expected to be finished in 2026, a full century after his death
Famous Gaudí buildings Barcelona
Pictures La Sagrada Familia
Book Trencadis mosaic workshop
Book Gaudi tour
G Experiència Gaudí in 4D tickets
Modernist architecture Barcelona
Where did Gaudi live?
Gaudí's full name was Antoni Plàcid Guillem Gaudí Cornet. He was born in 1852 in the town of Reus near Tarragona to the south of Barcelona in Spain in 1852.
Gaudí is the most famous architect of the Catalan modernist era. Gaudí's style was actually quite unique and unlike many of the other modernist styles of the time. Gaudí combined gothicism, surrealism and modernist styles in a uniquely peculiar and almost warped style, which can best be described as Gaudí'ism.
Gaudí said, 'The straight line belongs to man. The curved line belongs to God.'
Gaudí's believed that straight lines were the work of man, whereas curved lines were the work of nature and many of his most famous works reflect this search to create buildings that are in harmony with nature's shapes and forms.
Gaudí's first major project was the Mataró Cooperative (a project for housing factory workers), which was shown at the Paris World Fair in 1878. This project brought him a good measure of attention and led to a meeting with Eusebi Güell who was a leading industrialist of the time and one of the richest men in the world.
Guell would become a close friend and the biggest sponsor of Gaudí's work throughout Gaudí's career. Guell should be commended for his role in nurturing Gaudí's genius because he never attempted to impose limits or change on the architect's visions during the many years of their collaboration.
Photo below: Gaudí's unfinished church - La Sagrada Familia in Barcelona
In 1882 Gaudí began work on his greatest - and still unfinished - building, which is the famous La Sagrada Familia church in Barcelona. This project was initially begun by Francisco de Paula del Villar, but taken over by Gaudí in 1882.
For the next 30 years, Gaudí worked on the Sagrada Familia basilica and on other projects simultaneously. From 1911 onwards and until his death, he devoted himself exclusively to the cathedral.
Photo below: Serpent bench at Parc Guell by Gaudí
Gaudí was a lifelong bachelor, a vegetarian, an conservative and a fervent Catalonian nationalist. In his later years he lived with his father and sister in Park Guell.
However, both his sister and father passed away quite quickly after the family moved in to the house at Park Guell. In his final years Gaudí lived alone and preferred to spend much of his time in his studio at the Sagrada Familia.
Photo below: La Pedrera building on Passeig de Gracia in Barcelona
Gaudí's tragic death.
How and when did Gaudí die. Gaudí died a tragic death. On his daily walk to mass at the church on plaza Sant Felip Neri in the Gothic area of barcelona, Gaudí was crossing the tram tracks on the street and was hit by a tram.
The driver later testified that Gaudí was crossing the tracks and took two steps backward when he saw a tram coming, but then he was struck by a tram coming in the opposite direction.
Trams in those days only travelled at 10 kph, but the collision was to prove fatal. The date was 7th June 1926 and it happened on the street Gran Via between the streets of Girona and Bailen in Barcelona (click for map).
Gaudí was shabbily dressed and unkempt and was not carrying any identification papers and he was not recognized by anyone at the scene of the accident.
He was so shabby in appearance that local taxi drivers refused to take this injured 'vagabond' to hospital. The taxi drivers were later fined by the police for their inaction.
Photo below: Casa Batllo on street Passeig de Gracia in Barcelona
Gaudí was gravely injured in the tram accident, but was not recognised and because he looked like a homeless and poor person, he was taken to a Barcelona hospital for the poor called Antic Hospital de la Santa Creu i Sant Pau in the Raval district of Barcelona's old city near La Rambla street.
At the hospital he was still not recognised as the great architect and was given a bed with the indigent patients. His friends found him three days after the accident, on the 10th of June 1926, Gaudí died from his injuries. The last words Gaudí spoke were, 'Amen, my God, my God'. A death mask was made of Gaudí's face, which is on display at the Gaudí house museum in Parc Guell.
Photo below: Palau Guell roof on street Nou de la Rambla
A huge number of Barcelona citizens attended Gaudí's funeral to honour him and to accompany his casket to his final resting place in his beloved masterpiece, the Sagrada Familia, where he now rests in peace in the crypt.
After 44 years of devotion to the construction of this temple, this was a fitting place for its creator to be interred as an inspiration to those who came after to complete this unique Barcelona landmark.
As is often the case with many visionaries, Gaudí was perhaps not truly acknowledged during his own lifetime. Official organizations refused many times to support or applaud his unique talent. The City of Barcelona tried many times to block or change Gaudí's works because ithey failed to conform to city regulations.
The only project the City assigned to Gaudí was that of designing street lamps which still stand on the Plaça Reial in the Gothic quarter. Gaudí received the Barcelona city "Building of the Year" award only once for his work on the apartment block Casa Calvet which is not considered as a significant work today.
Photo below: Statue of Gaudí by sculptor Joaquim Camps at Portal Miralles in Barcelona
Gaudí trivia
Where did Gaudí get his inspiration? When Gaudí was young he worked as an assistent on the Chapel of the Virgin at Montserrat mountain located 1 hour from Barcelona, which gave him inspiration later in life to base many of his designs on nature.
Ciutadella park fountain. Gaudí also worked on the cascade fountain in Ciutadella park.
New York Skyscraper. In 1908 Gaudí submitted an innovative design for a New York skyscraper hotel called Attraction Hotel. The Attraction Hotel project was commissioned in May 1908. Planned at a total height of 360 metres, it was perhaps too daring for its time. Little is known about its origin, and the project remained obscure until 1956, when a report by Joan Matamala i Flotats called 'When the New World called Gaudí' was published.
The drawings for the Attraction Hotel were proposed as a basis for the rebuilding of Ground Zero in Manhattan after the 911 tragedy.
Famous Antoni Gaudí quote. "To do things well, first you need love, second you need technique."
Gaudí and Dan Brown. Some of his most famous buildings in Barcelona are featured in the new book Origin by bestselling author Dan Brown, who also wrote 'The Da Vinci Code'.
Photo below: Attraction Hotel New York design by Gaudí
Barcelona's Gaudí UNESCO World Heritage Sites:
Palau Güell
La Pedrera (Casa Mila)
Casa Vicens
Sagrada Familia church
Crypt in Colonia Güell (outside Barcelona)
Bellesguard/Casa Figueres manor house
Guide to modernist Barcelona
Other Gaudí works
Casa Calvet - closed to public
Colegio Teresiano - not open to public
Bellesguard/Casa Figueres manor house - partially open to public
Lamp posts on Plaza Reial
The dragon gate at Güell Pavilions
Portal Miralles. Gate of former Miralles estate
Photo below: Portal Miralles by Gaudí in Sarria area of Barcelona
Related Gaudí pages
Gaudí Experience - 4D Gaudí
Make a Gaudí artwork -1 hour Trencadis classes in Barcelona
More Gaudí links
TICKETS Gaudí and Sagrada Família Tour
Last Updated on Monday, 06 January 2020 14:16


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Gina Budny, the owner of In Focus Creative, grew up in a small "corn field" town in Indiana. The small town values of honesty, integrity and good old fashioned hard work are very prominent in her personal life as well as her commercial production business.
Gina started as a radio DJ for a small town radio station while going through college at Indiana State University. She majored in Radio/TV/Film and then received an internship with Telecommunications, Inc. in Daytona Beach, FL. After one month as an intern she was hired as a production assistant. While there, she not only helped with the commercial production, but was put in charge of creating and sustaining a real estate show for the local origination channel. She worked there for 2 ½ years before moving to the Denver Metro Area where she was hired as a commercial producer for AT&T Media Services.
The four years at AT&T were invaluable in providing the knowledge and experience needed to go out on her own. Gina has been putting her commercial production and writing expertise to use for over 20 years. She is passionate about her work and loves helping businesses thrive!


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Deep Long Life Passive Sonobuoy Sensor System
Opens: January 15, 2015 - Closes: February 25, 2015 6:00am ET
N151-013	TITLE: Deep Long Life Passive Sonobuoy Sensor System
TECHNOLOGY AREAS: Air Platform, Sensors, Battlespace
The technology within this topic is restricted under the International Traffic in Arms Regulation (ITAR), 22 CFR Parts 120-130, which controls the export and import of defense-related material and services, including export of sensitive technical data, or the Export Administration Regulation (EAR), 15 CFR Parts 730-774, which controls dual use items. Offerors must disclose any proposed use of foreign nationals (FNs), their country(ies) of origin, the type of visa or work permit possessed, and the statement of work (SOW) tasks intended for accomplishment by the FN(s) in accordance with section 5.4.c.(8) of the solicitation. Offerors are advised foreign nationals proposed to perform on this topic may be restricted due to the technical data under US Export Control Laws.
OBJECTIVE: Develop a deep, long life, passive sonobuoy sensor system that can be deployed by aircraft and used for undersea surveillance.
DESCRIPTION: The Navy is becoming increasingly interested in deploying acoustic sensing systems below critical depth in the ocean close to or on the ocean bottom in convergent zone type environments [1]. At these depths the ambient noise structure and sound propagation physics are unique [2] and have the potential to be exploited by future undersea surveillance systems. The concept of utilizing deep sonobuoy systems is not new; in the 1970's there were efforts to place sensors deep in the ocean. Two sonobuoy concepts were considered: an On-the-Bottom (OTB) Directional Frequency Analysis and Recording (DIFAR) and a 14,000 feet Deep Suspended DIFAR (DSD) [3]. Recent investigation of the ambient noise structure in the deep ocean [2] suggests that a passive directional sonobuoy system covering the band from 5 to 500 hertz (Hz) would be of interest. When the sea state is calm and there is little distant shipping, the ambient levels are nominally 40 to 50 decibel (dB) are 1 microPascal^2/Hz [2]. A sonobuoy array composed of a combination of omnidirectional and biaxial sensors with an electronic noise floor of 40 dB/microPascal^2/Hz is thought to be well suited for this application particularly in view of array gains that are possible as a result of the vertical anisotropic noise field. What is desired is an A-size sonobuoy which can be deployed from an aircraft and operate at or close to the ocean bottom (up to 6 km). The sonobuoy will have a minimal operational life of 3 to 14 days and be capable of storing data until commanded to exfiltrate the data to an aircraft or periodically to an over the horizon location. It is expected that In-Buoy Signal Processing (IBSP) will be needed to reduce the data transfer rate and in-buoy data storage. IBSP will, as a minimum, consist of acoustic beamforming (possibly adaptive) and both narrowband and broadband processing. For data exfiltration from the array up to the radio frequency (RF) communication link, consideration should be given to data rates from the array, pressure and temperature variations across depths as well as survivability. It is expected that array design, long life, deep depth survival and data exfiltration will require innovative solutions because of the A-size packaging constraints [4].
The RF communication link should conform to the receive capability of the air platform which is composed of Continuous Phase Gaussian Frequency Shift Keying (CPGFSK) waveform of 320 kilobits per second (kbps) for which 288 kbps can be acoustic data.
Note that A-size refers to the standard U.S. Navy Sonobuoy form factor or a right-circular cylinder having a diameter (D), length (L), and maximum weight (W) of D=4.875 inches, L=36 inches, and W=39 pounds.
PHASE I: Develop approaches, and perform modeling and simulation activities to evaluate prospective designs associated with the sensor type(s), array, telemetry, packaging, deployment, and self-noise remediation within the overall architecture of an A-size sonobuoy.
PHASE II: Conduct performance predictions, design refinement, and selective hardware maturation for the high-risk components identified in Phase I, and develop a prototype sonobuoy.
PHASE III: Develop a prototype sonobuoy of the Phase II solution. Demonstrate full operational functionality in Navy-supported test scenarios. Transition the developed technology for Fleet use and provide a detailed supportability plan.
PRIVATE SECTOR COMMERCIAL POTENTIAL/DUAL-USE APPLICATIONS: Demonstrate full operational functionality in Navy-supported test scenarios. Transition the developed technology for Fleet use and provide a detailed supportability plan.
1. Urick, R. J. (1996). Deep-Sea Paths and Losses: A Summary. In D. Heiberg & J. Davis, Principles of Underwater Sound (3rd ed.) (p. 195). New York: McGraw-Hill Book Company.
2. Gaul, R. D., Knobles, D. P., Shooter, J. A., & Wittenborn, A. F. (2007). Ambient Noise Analysis of Deep-Ocean Measurements in the Northeast Pacific. IEEE Journal of Oceanic Engineering, 32(2), 497 – 512. doi:10.1109/JOE.2007.891885
3. Holler, R. A., Horbach, A. W., & McEachern, J. F. (2008). The Ears of Air ASW: A History of U.S. Navy Sonobuoys. Warminster: Navmar Applied Sciences Corporation.
4. McEachern, J. F., McConnell, J. A., Jamieson, J., and Trivett, D. (2006). ARAP – Deep Ocean Vector Sensor Research Array. MTS/IEEE OCEANS 2006, 1-5. doi:101.1109/OCEANS.2006.307082
KEYWORDS: Passive; Asw; Sonobuoy; Vector Sensor; Reliable Acoustic Path; Deep Ocean
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