Investment Options (General Math)

Situation:   You are a financial adviser. You are asked by one of your clients to help him invest his P100,000. You are required to present and discuss at least 4 investment options for him to choose from. The options to be presented should be available within the vicinity of Baguio City.

Option #1
In PNB (Philippines National Bank), If we invest P100000, the inrest rate is 3.875 and it is quarterly. The time for investing is 6 years. This is the the outcome of are investing.
P: P100000
r: 3.875%= 0.03875
t: 6 years
n: quarterly = 4


A= 100000(1+0.03875/4)^4(6)
A= 100000(1+0.0096875)^24
A= 100000(1.0096875)^24
A= 100000(1.260339399)
A= 126,033.9399

http://www.pnb.com.ph



Option#2

The BPI CATHOLIC VALUES GLOBAL EQUITY FEEDER FUND is a Philippine Peso denominated equity feeder Unit Investment Trust Fund established under the authority of the Bangko Sentral ng Pilipinas (“BSP”). The following is a summary of the Fund’s Plan Rules and Regulations (“Plan Rules”) and the terms and conditions governing the investments in the Fund:
1 Trustee
BPI Asset Management and Trust Corporation (BPI AMTC)
2 Fund Features
Name of the Fund: BPI Catholic Values Global Equity Feeder Fund Fund
Classification: Equity Feeder Fund
Target Fund: CBIS World Equity Fund
Base Currency: Philippine Peso
 Launch Date:           May 22, 2017
Minimum Investment Amount:       PHP 100,000
Minimum Transaction Amount:       PHP   50,000
Benchmark:           MSCI All Country World Index (PhP)
 Investor Type:           Aggressive  
Trust Fee           0.50% p.a.
Dealing             Daily up to 2:00PM  
Custodian Bank           HSBC, BNY
External Auditor           Isla Lipana & Co.


Target Fund Specifications
Investment Objective: The Target Fund seeks to achieve capital appreciation and outperform its primary benchmark index, the MSCI All Country World Index, by combining a number of different yet complementary investment approaches employed by the Sub-Investment Managers to invest in equity securities of medium to large capitalization issuers on a worldwide basis while minimizing downside risk by focusing on companies that exhibit a high internal rate of return and avoiding speculative investment.
Fund Classification: UCITS
Benchmark: MSCI All Country World Index
Domicile: Dublin, Ireland
Investment Manager: Christian Brothers Investment Services, Inc.
Custodian: BNY Mellon Trust Company (Ireland), Limited
Administrator: BNY Mellon Fund Services (Ireland), Limited
Transfer Agent: BNY Mellon Fund Services (Ireland), Limited
 Inception Date: February 2015
Country of Registration: Ireland
Share Class and ISIN: Class A (USD) (ISIN: IE00BKRTPD74)  




P: P100,000
r: 0.50%
t: 5 years

A=P(1+r)^t
A=100000(1+0.0050)^5
A=100000(1.0050)^5
A=100000(1.025251253)
A=102,525.1253


https://www.bpiexpressonline.com/p/1/672/bpi-investment-funds






Option#3
Security Bank


Issuer: SEC-Registered Philippine Corporations  
Tenor: 5-15 years  
Redemption Price: At par (or 100% of face value)  
Interest Rate: Prevailing Market Rate
(Subject to 20% final withholding tax
except for tax-exempt institutions)  
Interest Payment: Quarterly or Semi-Annually  
Minimum Investment: Php 50,000  

Quarterly
P: P100,000    
r: 20%=0.2
t: 5 years
n: 4 years

A=P(1+r/n)^nt
   =100000(1+(.2/4))^((4)(5))
   =100000(1+0.05)^20
   =100000(1.05)^20
   =100000(2.78596259)
A=278,596.259

Semi-annualy
P: P100,000
r: 20%
t: 5 years
n: 0.5 years

A=100000(1+(.2/0.5))^((0.5)(5))
   =100000(1+0.4)^2.5
   =100000(1.4)^2.5
   =100000(2.319103275)
A=231,910.3275

https://www.securitybank.com/personal/investments/fixed-income-securities/peso-corporate-bonds

5 Problems relating in Conic Sections(Pre-calculus)

1. A two-lane highway goes through a semicircular tunnel that is 14 feet high at the top. If each lane is 12 feet wide, how high is the tunnel at the edge of each lane?

2. An arch for a bridge over a highway is in the form of a half ellipse. The top of the arch is 20 feet above the ground level. The highway has four lanes, each 12 feet wide; a center safety strip 8 feet wide; and two side strips, each 4 feet wide. What should the span of the bridge be if the height 28 feet from the center is to be 13 feet?

3. The outer door of an airplane hangar is in the shape of an ellipse. The door is 120 feet across and 90 feet high. Find an equation describing the door’s shape. If you are 6 feet tall, how far must you stand from the edge of the door to keep from hitting your head?

4. An engineer designs a satellite dish with a parabolic cross section. The dish is 15 feet at the opening and the depth is 4 feet. Find the position if the light source (the focus). How far is it from the deepest part of the dish

5. A search light is shaped like a parabolic revolution. If the light source is located 2 feet from the base along the axis symmetry and the depth of searchlight is 4 feet, what should the width of the opening be?

A propos de moi (About me)

 

  I was born with the name Justine Faye Pulicay. I don't know why my parents named me Justine, because I never really asked.

     When I was in the third grade, it was my teacher who first called me 'JF' ; the reason is because there were two Justines. Me, Justine Faye and the other Justine Marie or JM. I've preferred  it since then.

     I'm an eleventh Grader, I took up the strand Science, Technology, Engineering, and Mathematics (STEM). This strand is hard, it's difficult for me. Specifically the Mathematics. I chose this because I plan on taking Medical Technology in college as my pre-med before going to med school. I really want to be a doctor. They ask me in what are of specialty; I don't know yet, maybe a surgeon or a cardiologist.

     I read a lot, I like to read books specifically, novels. And also Watching television series, not the local dramas you see in ABS-CBN or GMA but the series produced by the CW, HBO, NBC, ABC and many more.

     I like writing, writing is life. I don't even understand people who don't write. I'm not a writer but, i have this habit of writing wherein I write everything; I write my prayers, my plans, my goals, etc. And I have this weird writing mentality wherein my writing should 'nt be simple. That it should improve more than it is. Because I believe that when people read what I write or what I wrote, even if it's an essay or a conclusion in an experiment, that if my writing is good, really good( well, apart from the facts that I wrote. ) They'd be impressed.

     I have a brother who is 10 years younger than me. Being the only child for for 10 years was okay, but when my brother came, I was grateful. Because my parents had something to focus on other than me; because I didn't want to be the focus of their attention. I don't want that, it's better that they fosuc their attention other than me.

     My favorite word is 'petrichor'; petrichor is the scent produced by the earth when it rains, when the rain falls on dry soil. Plus, the word sounds good. Petrichor is my favorite word because it makes me think of rain, and when it rains I enjoy it so much. Also maybe because I partly believe that when it rains; the dirt, the impurities, the bad that is present in the world will be washed away.

   

Liham Nag-uulat (Filipino 1)

Ika 15 ng Setyembre 2017
FD 170 Pines Park, La Trinidad, Benguet



Gng. Myrna C. Esperanzate
Punong Guro
Baguio Seventh-Day Adventist School
#46 Bokawkan Road, Baguio City, 2600 Benguet



Magandang umaga po Ginang,
          Noong po ika 13 ng Setyembre ay ako po ay sumali sa National Super Quiz Bee; at ako po ay nakakuha ng unang gantimpala. Ang premyo po na aking na tanggap ng 32 na dami ng Time Life Illustrated Encyclopedia of Science & Nature at Multi - media computer notebook mula sa Intel para sa ating paaralan.

          Ako po ay nag papasalamat sa mga aral na iinigay ninyo, kung wala po ang mga iyon ay hindi po siguro ako makakakuha nga unang gantimpala.

Nag-uulat,


Justine Faye B. Pulicay
       

         

John the Beloved (Bible)

John the Beloved

When John and his brother came to Jesus, they received the nickname "Sons of thunder"

I. Character defect:

a) Proud d) Impetuous
b) Self-assertive
c) Ambitious for honor

d) Impetuous

e) He often harbors the desire for revenge 

f) Resentful under injuries

II. Good Character:
a) Ardent
b) Sincere
c) Loving Heart

• Jesus- the son of righteousness 
• 3 Division of Jesus' Life:

             1. Years of obscurity
             2. Years of popularity
             3. Years of rejection

Neo-Realism and Abstraction (Contemporary arts II)

NEO-REALISM
-Reflects the identity as Filipinos were rising from the ashes of war.
- Art that exposed “true social conditions” of the period.
- Established canon to the abstract, expressionist, symbolist and other modes of creative expression characteristic of the art of the modern world.

-Artist writer E. Aguilar Cruz observed a group of artists who exeplified a new kind of modernism emerged and named this movement Neo-Realism.
- “Thirteen Modern” appeared to effect the desired seachange, but somehow they did not have die necessary collective anima.

THIRTEEN MODERN
A. Triumvate - progressive art circles of the pre-war period.
- Victorio Edades
- Carlos Francisco
- Galo Ocampo

B. Six artists whose names are closely associated with the early years of the Philippine Art Gallery (PAG) in Ernita Manila:
- Romeo Tabuena - Victor Oteyza,
- Cesar Legaspi - Ramon Estella
- Vicente Manansala - Hernando Ocampo

ABSTRACTION
-Consists of simplified forms, which avoided mimetic representation.
- Refered to as non-representational or non-objective art as it emphasized the relationships of line, color, and space or the flatness of the canvas rather than an illusion of three-dimensionality.

Abstract Painters in the Philippines:
 -Constancio Bernardo
- Lee Aguinaldo
- Jose Joya
- Fernando Zobel
- Arturo Luz
- Nena Saguil

Principles and Elements of Art (CA)

Principles of Art

1. Balance- The equal distribution of visual weight.
2. Alignment- Arrangement forming a straight line.
3. Emphasis- An accentuation of importance.
4. Proportion- A scaling of object in relation to each other.
5. Movement- A directed path of optical motion
6. Pattern- An orderly repetition of an object.
7. Contrast- To compare two things to show how they are different.
8. Unity- Harmonious arrangement of elements.





Elements of Art

1. Line- An element of art defined by a point moving in space. Line may be two-or three-dimensional, descriptive, implied, or abstract.
2. Shape- An element of art that is two-dimensional, flat, or limited to height and width.
3. Form- An element of art that is three-dimensional and encloses volume; includes height, width AND depth (as in a cube, a sphere, a pyramid, or a cylinder). Form may also be free flowing.
4.Value- The lightness or darkness of tones or colors. White is the lightest value; black is the darkest. The value halfway between these extremes is called middle gray.
5. Space- An element of art by which positive and negative areas are defined or a sense of depth achieved in a work of art.
6. Color- An element of art made up of three properties: hue, value, and intensity.
• Hue: name of color
• Value: hue’s lightness and darkness (a color’s value changes when white or black is added)
• Intensity: quality of brightness and purity (high intensity= color is strong and bright; low intensity= color is faint and dull)
7. Texture- An element of art that refers to the way things feel, or look as if they might feel if touched.

Geothermal Energy (Earth-Science)

EARTH SCIENCE I        


TOPIC: GEOTHERMAL ENERGY


INTRODUCTION

Geothermal energy systems use heat from the interior of the earth as a source of power. The word geothermal comes from Greek words geo (earth) and therme (heat). The center of our planet is extremely hot, reaching temperatures of 7,000 to12,000 degrees Fahrenheit. This heat is primarily the result of the slow radioactive decay of heavy elements at the earth’s core. Only the very surface of our planet has cooled enough to form the crust we live on. This crust is typically anywhere from three to 35 miles thick and below the crust exists the mantle, made of partially molten magma (melted rock) and reaching temperatures of 1000-2000 degrees Fahrenheit. This heat becomes available near the surface at areas where thermal conduction and intrusion of molten magna into unusually thin sections of the earth’s crust occurs. Such geothermal zones often give rise to naturally occurring surface features such as hot springs, geysers and volcanoes. High temperature geothermal zones offer a ready source of heat that can be used to generate electricity. Lower temperature geothermal resources can be used for various applications such as heating buildings, drying crops, year-round greenhouses or heating water for fish-farming activities.

CHARACTERISTICS OF GEOTHERMAL ENERGY
Geothermal electrical power is an extremely reliable source of energy. Power plants driven by geothermal power have historically much better online records than other electrical power sources. Geothermal energy systems represent a renewable, long-term source of power. These systems are combustion-free producing very low emission levels and avoiding the problems of acid rain, greenhouse gas emissions and other pollutants associated with fossil fuel based systems.
More than 27 countries use geothermal power systems. The development of geothermal power systems is growing by 9 percent every year. Even in locations where hydrothermal activity is not available, geothermal heat pumps are still applicable.

USES OF GEOTHERMAL ENERGY
Some applications of geothermal energy use the earth's temperatures near the surface, while others require drilling miles into the earth. The three main uses of geothermal energy are:
1.) Direct Use and District Heating Systems which use hot water from springs or reservoirs near the surface.

2.) Electricity generation in a power plant requires water or steam at very high temperature (300 to 700 degrees Fahrenheit). Geothermal power plants are generally built where geothermal reservoirs are located within a mile or two of the surface.

3.) Geothermal heat pumps use stable ground or water temperatures near the earth's surface to control building temperatures above ground.

TYPES OF GEOTHERMAL POWER PLANTS
Dry steam plants use steam directly from a geothermal reservoir to turn generator turbines. The first geothermal power plant was built in 1904 in Tuscany, Italy, where natural steam erupted from the earth.

Flash steam plants take high-pressure hot water from deep inside the earth and convert it to steam to drive generator turbines. When the steam cools, it condenses to water and is injected back into the ground to be used again. Most geothermal power plants are flash steam plants.

Binary cycle power plants transfer the heat from geothermal hot water to another liquid. The heat causes the second liquid to turn to steam, which is used to drive a generator turbine.







Reference: Energy for Missouri: Today and Tomorrow - Educator's Guide PDF

Three types of dreams (Oral Communication Speech)

THREE TYPES OF DREAMS

INTRODUCTION

I. Attention Getter:
 The world of imagination available to us in our sleep is probably taken for
granted by many. However, no one can disagree to the mysteriousness of dreams.

II. Topic Clarification: To the end of exploring this mystery, and hopefully clarifying it, we can
at least look to patterns in dreams. More specifically, we can look to the particular types of
dreams that we can distinguish.

III. Roadmap: In this speech, I will describe three of them. I will take you through the
nightmare, the recurring dream, and, finally, the lucid dream.

BODY

IV. Main Point:

First looking at nightmares, we all recognize that their mystery is first and
foremost coupled with horror. The International Association for the Study of Dreams, or IASD,
provides us valuable insight into their nature.

A. Sub Point: The potential causes of a nightmare are varied.

1. Creative, emotional, and sensitive people tend to have more nightmares, as
they are more highly aware of their surroundings and circumstances (IASD
2013).

2. For others, nightmares are side effects of drug and medication use. Others
are the result of post-traumatic stress, including the loss of a loved one, assault,
or combat (IASD 2013).

3. Commonly, nightmares are a response to stress, including post-traumatic
stress following the loss of a loved one, an assault, or combat, in addition to
daily stressful problems. Therefore, nightmares are thought to be
psychosomatic mechanisms to call attention to the issues in our lives (IASD
2013).

B. Sub Point: So how then do we deal with Nightmares?

4. On this, the IASD provides further information. Their strongest advice is
therapy.

5. Counseling and self-reflection on the issues in our life allows us to
recognize how we can resolve stressful situations in our lives, and therefore
our dreams.

V. Main Point:
The recurring dream provides less horror to our dreams, and also a deeper
mystery.

C. Recurring dreams are those dreams that we have over and over, as if it were a task that
we keep trying to complete.

D. In fact, Dr. Angel Morgan writes in the Huffington Post that it may be unfinished
issues in our life that cause these types of dreams (Morgan 2014).

E. Although occasionally nightmarish, recurring dreams can also be fascinating and
pleasurable, and Dr. Morgan advises us to analyze the parallels between our recurring
dreams and our real-life circumstances (Morgan 2014).

REFERENCE:
Dream-Types-Informative.pdf

Petition

2 road constructions in a month

Justine Faye Pulicay

Hillari Janice Tandagan

Jofelson Martin

Mayor, La Trinidad, Benguet

Romeo Salda

La Trinidad Municipal Hall, Halsema higway 2601, La Trinidad, 2601 Benguet

September 26, 2017

Dear Mayor Salda,

We write to you on behalf of the students who reside in La Trinidad; to appeal our concern regarding the on going  construction in the road in Botiwtiw(km3) and Balili (km4). Thus, the traffic on that route became worse.

The students residing in La Trinidad are much rather affected by this situation due to the traffic. Also the PUJ drivers who  accommodate to our daily transportation. Therefore we requisite that this construction be  done as soon as possible.

Your favorable consideration of our request be appreciated.

Sincerly,

Justine Faye Pulicay          Hillari Janice Tandagan          Jofelson Martin