Underwriting your Multifamily Insurance is more than plugging in a number.
Multifamily Investors want rules and systems to make analyzing a deal easy. If it was easy, there would be no value. Insurance is an operating expense that can vary from seller to buyer and property to property. Here are some things to consider when underwriting your multifamily insurance.
10 Steps to Lower Multifamily Insurance Cost.
Some insurance companies offer coverage nationwide, but the rates are specific for the territory where the property is located. That's because different territories have different exposure to weather related events.
Think about it; the midwest has hail and tornadoes versus the southwest which has hurricanes and floods. The northeast has long cold winters with deep heavy snow and the northwest has rain.
Each region has a different set of risk that can cause a claim.
Think about who put the prospectus together. The seller's multifamily broker. The broker has two jobs. The first is to get the listing, and the second is to get the seller as much as he can.
When writing the prospectus, the goal is to show the highest NOI and value possible. The expenses are likely a combination of actual and industry averages. I've seen brokers who will disregard the seller's insurance cost and use the industry average because it supports a better NOI and value.
What do you know about the seller? Chances are, you are nothing like the seller. Does the seller have multiple properties with the carrier he is currently with? How long has he been with the insurance company? What deductibles, limits and coverage does he have?
All of these are issues that affect the cost of insurance for your property. Unless you are a carbon copy of he seller, you are different, and will likely get a different insurance cost.
Pick your insurance broker wisely. Work with an agent or broker that specializes in multifamily, and you will get the best price the insurance company can offer.
The insurance brokers job is to gather the information. Then create a story for the underwriter that makes them want to apply all the available credits to get the best rate possible.
Multifamily Underwriting is full of opportunities to over or under analyze numbers to determine if a deal is a winner or not.
Michael Becker with Strategic Property Advisors has been both a lender and investor. He has seen the cycle of ups & downs and shared his thoughts on what investors should look for when underwriting a multifamily real estate opportunity.
Value add deals are what every real estate investor is looking for. When you look at rent comps, make certain you are comparing like product. Are you comparing a C class property to a B class property or are you comparing C vs C? If the comparable property not the same class or in the same neighborhood, find a different property.
Taxes are an easy way to upset your deal. You must understand how the local taxes work and will affect your deal. Using the seller tax expense is not reasonable regardless what the selling broker prospectus says.
Cap rate is the measure of market supply and demand. If there are more buyers than sellers, the cap rate will compress. When the reverse is true, the cap rate will expand. What will our exit cap rate be? A conservative estimate is to increase your purchase cap rate by 10 basis points per year held.
Expecting your exit cap rate to be the same or lower than your purchase is unrealistic, but a nice benefit if it happens.
Rent growth is what every real estate investor wants. It is not uncommon to find a property that is under rented with substantial room for rent growth in year one. However, it is unwise to project subsequent years rent growth beyond national averages of 2 - 3 percent.
Expenses should also be projected to increase at similar 2 - 3 percent.
These are some basic underwriting points every investor should consider when underwriting your next multifamily deal.
Attract investors & raise capital, and grow your real estate portfolio.
It's been said that you are not a true real estate investor until you run out of money. Because it is only then that you are forced to find willing partners with money if you want to continue growing. The alternative is to go get a W-2 job.
Have you run out of money yet?
When you run out of your own money, you have to change your real estate investment strategy. Most investors turn to their intimate circle of influence, family and friends, for their initial capital raise. Unless your uncle is Sam Zell, you are going to need to reach beyond family and friends to find more investors to keep growing.
For experienced investors, there is help. InvesTechs.com is a marketing firm focused on helping real estate investors / sponsors attract, find, market to and raise the capital you need to grow. They know your business and how to help you attract capital.
First, build the platform. Investechs meet with sponsors to learn about you and your offering. Then they help you tell your story to attract investors with the capital you need.
InvesTechs will create your professionally branded webpage and all the content pieces you need; written, video, webinars, etc., to clearly communicate your offer and attract potential investors.
Once the material has been created, InveTechs use target marketing to put your information it in front of your ideal investors in your area. These are people with money looking for investment opportunities like yours. By automating this initial communication, you are able to focus your limited time on those investors who are truly interested and more likely to invest.
For these interested investors, you can schedule some calls and face to face meetings to gain further understanding of each other to confirm your offer is a good fit for the investor.
For accredited investors who are ready to commit, Investechs has partners that will qualify and collect the money online. This proven system will make you stand out to potential investors and allow you to continue to grow your real estate portfolio.
Real Estate Investors must know how to create a successful 1031 Exchange strategy in order to keep their profits.
Karen Templeton with Emerson Equity, is a 1031 strategist. She specializes in Securitized Real Estate Investments (DSTs, TIC, NNN) and the 1031 Exchange to build Real Estate wealth.
The Internal Revenue Service code section 1031 allows investors to sell one property and replace it. Provided the requirements are met, the seller can defer the taxes due, capital gains and recaptured depreciation, on the sale of the property. tax and due upon sale if they reinvest into a "like kind" property.
The 1031 Exchange provides real estate investors one of the most powerful benefits available to real estate investors. Investors can defer the tax due upon sale if they reinvest into a "like kind" property. Regardless of the real estate property type; single family home, duplex, triplex, apartment building, self storage, retail, office, warehouse, etc.
The easiest way is to contact a 1031 exchange qualified intermediary prior to the sale of your property closing. The qualified intermediary will hold the sale proceeds in escrow. When the sale is completed, you have 45 days to identify a replacement property and a total of 180 from the sale to close on your new property.
In order to defer all tax from the sale, you must replace the equity from your sale and the debt you had in place on the prior property.
Like most things in life, exit strategies are rarely considered until they are upon us. Failing to understand the steps of a complicated process can leave you without enough time and cost you dearly. One of the most compelling reasons to invest in real estate is the ability to defer capital gains when you sell.
Plan your sale, and consult with your trusted real estate professionals to create a successful 1031 Exchange.
Solar Energy is now a legitimate alternative to fossil fuels providing the opportunity for users to reduce their energy cost.
The financing of small to medium solar energy projects has been challenged, until now.
Bryan Birsic combined his finance background and technology to co-create the solar energy financing platform Wunder Capital.
Solar Energy has come so far since the 1970's. More than just a nice idea to save the planet, today's solar energy can produce enough power to more than replace a commercial buildings energy needs.
An additional benefit is that the product is warranted for 25 years to produce at least 80% of what it did when initially installed. While this may be enough for the greenest property owner to convert, for most buyers, it's about the money.
For most projects, the opportunity to save 15% on their energy bill is what drives property owners to make the move to solar.
Unfortunately, traditional financing is not as receptive to small and medium size projects.
Banks fundamentally want to know they will get paid back. Decisions to lend are based on the understanding of the borrower and what the money will be used for. That's underwriting.
For large projects with credit rated borrowers, there are plenty of lenders willing to lend on the project. The loan is large enough to support the layers of fees for traditional underwriting.
For small projects, there are two hurdles for financing.
Borrowers rarely have a credit rating for banks to use.
Small project do not generate enough revenue for the bank.
The demand for solar energy is strong in areas where energy cost are high. Wunder Capital has partnered with 150 installers in 30 states to provide financing for projects.
The Wunder platform leverages technology to underwrite the project and borrower. This provides quick approval wich Installers like. The platform because it is easy to use and provides fast approval for the project owner.using its understanding of the market and the key indicators they have identified for qualifying borrowers.
Installers like the platform because it is easy to use and provides fast approval for the project owner.
Projects under $2million is Wunder's target borrower. The average project values is $500,000 and will be installed on a school, municipal or commercial building.
For accredited investors, Wunder Capital provides the opportunity is to invest as little as $1,000. You receive a payment dependent note with a projected yield. Projects average between 6-8% interest for 5 to 10 years depending on the project.
The product can generate enough energy to more than pay for itself. This plus building owners and investors want to promote green energy have made this a viable investment opportunity for investors looking for something different.
Opportunity to save on electricity and own their primary electrical generation guaranteed for 25 years.
Wunder focuses on Solar Energy exclusively.
Real Estate Investors buy insurance to protect their property from loss, but if you stop there, you could still lose if you don't protect your assets.
Attorney Scott Smith is the principal at Royal Legal Solutions, a law firm specializing in working with real estate investors.
Insurance is a good first step to protect you from loss when you are first starting out. Once your portfolio grows and you have multiple properties, and significant equity, there are additional asset protection steps you need to take to protect yourself from loss.
Insurance protects you from negligence. If you are sued for more than the insurance you have, the balance owed can be taken from your assets. If you lose it all, how long will it take you to recover?
Rule #1, don't lose capital. Getting a poor return is far better than losing capital. If you lose capital, it can ruin you.
Insurance is inexpensive. Don't skimp on insurance.
Asset protection is not a singular event. It's a plan that provides protection that creates separation between your investments and from your personal wealth. This structure isolates properties and the operation from you. It's a way of creating moats with alligators and drawbridges to protect your castle.
Work with a legal professional to create a structure that will provide you the appropriate protection for your investment strategy. Your plan will likely include creating an LLC. When creating an LLC, consider the state you file it in. Certain states provide significantly more protection based on the charging order, compare CA vs TX.
If you do it right, you can compartmentalize your properties and protect them from actions at other properties, and hide your personal information from the ability to be found.
Multifamily investors rely on brokers to find deals. Beyond the broker relationship, investors look online; LoopNet, Costar, etc.
Scott Furman is an experienced multifamily commercial real estate broker that created ApartmentBuildings.com to compete with LoopNet and Costar.
The name says it all. Unlike LoopNet or Costar, ApartmentBuildings.com is exclusive to Multifamily, any size, from land for sale to fully occupied apartment complex.
The pain of change is the price of progress. The number one challenge for Scott and his team has been to gain brokers attention and confidence. Scott & his team's persistence has paid off. Today, ApartmentBuildings.com is actively marketing properties in 5 states: CA, AZ, TX, FL & NY. The brokers listing their properties are getting results.
Brokers that commit to list on ApartmentBuildings.com are provided a marketing boost not available on other sites. If they will list their property on the site first, before listing on other sites, Scott and his team will present the property immediately to the users whose investment profile matches! This instant list of interested buyers has created numerous sales for brokers.
While the current footprint is not nationwide, the focus on multifamily is valuable to both brokers and users due to the focused nature of the platform.
You can create a free ApartmentBuildings.com account in just 30 seconds by going to apartmentbuildings.com/login. Once you establish a login, you are able to create an investment profile for the type of property you are looking for.
After you set your parameters, you will be receive first notice for all newly listed properties that meet your investment profile.
Valuation: get a professional opinion on the value of a property.
Lending: Make contact with lenders that specialize in Multifamily nationwide.
The new Tax Plan will affect Real Estate Investment Strategies mostly for the better.
President Trump signed the revised Tax Plan into law effective for tax year 2018. There has been a lot of speculation up till now about how it will affect real estate investors. I spoke with Jonathan McGuire, CPA from the Real Estate team at Aldrich Advisors to sort out the changes, good & bad.
1031 Exchange remains unchanged for real estate investors. The deferral of gain on like-kind exchanges is only allowed with respect to real property that is not held primarily for sale.
Owners of certain pass-through businesses, S Corps, partnerships, & sole proprietorships, will be allowed to deduct up to 20 percent of qualified business income for tax years beginning after December 31, 2017.
The new tax law requires that in order to qualify for Capital Gains, the investment must be held for more than 3 years, compared to the prior 1 year standard. This could affect your plans if you originally planned to get out after one year.
Equipment purchased to operate & maintain a property can be expensed at 100% of the purchase price up to $1,000,000. This does not include real property; land & buildings.
Previously, individuals could write off all mortgage interest and local property taxes against income to lower the federal tax obligation. This is no longer the case.
Now, the portion of mortgage interest attributable to the first $750,000 is all that will be allowed. These buyers already are treated differently with jumbo loan rates and terms.
Additionally, deduction for home equity loans has been repealed. This could reduce the pool of investors looking to deploy equity held in their residence.
The new tax caps the state and local tax write off to a maximum of $10,000. Unless you live in one of the six states without a state income tax, you will pay between 2.9% (ND) to 13.3 (CA) of your income in state tax. When you add property tax to this, it is not difficult to breach the $10,000 cap.
IE: If you live in Portland, OR where the state tax rate is 9.9% and the Median household income is $58,423, your State Income Tax will be: $5,784. If in addition, you own a median priced home in Portland, $319,400 you can expect to pay roughly 1% of the retail value or $3,194 in property tax.
This may not affect a first time buyer if they are able to purchase a home. However, it may cause potential buyers of larger properties to rethink their purchase.
Any additional reduction in demand for single family homes to be built, will likely push the demand for more lifestyle rental options.
Owners of certain passive income businesses will be allowed to deduct 20 percent of passive income. Limitations apply.


It's never too late to fulfill your desire to become a musician or even a rock star! Sign up now for one or more music classes including beginning, intermediate and advanced percussion, guitar, and keyboard for students ages eight to adult.
$15 for any additional class during the same session (youth ages 17 and under only).
Discounted rate of $25 for the first class for siblings ages 17 and under living in the same household.
Private Lessons are NOT discountable and are not counted toward sibling or multi-class discounts.
Program fee is non-refundable and no fees are prorated.
All classes are subject to change or cancellation depending on the number of participants enrolled. Recital participation is not mandatory. Some classes do not participate in annual recitals. Please check with instructor. New class curriculum usually begins in October. No classes on City Holidays.
Class Guidelines: Instructor will group similar age and level students together after assessment the first week of classes. It is common for beginners to remain at beginning level for several years as they acquire skills for advancement. All classes except introductory levels will need teacher approval. Teacher assessment will advance students when necessary on a case-by-case basis.


These words should make the reader reject a statement unless there is strong support.
always, definitely, irrefutably, assuredly, indisputably, undeniably, certainly, invariably, without question, etc.
These words suggest that the information may be accurate but that other possibilities may exist.
almost, probably, presumably, there is little question, etc.
These words suggest that the ideas are subject to debate and that there is doubt as to their complete validity.
apparently, may/maybe, possible, somewhat, could be, might, seems, likely, perhaps, seemingly, etc.


text:
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Social and Economic Well-Being
Swaptik Chowdhury
Max Izenberg
Community Health and Environmental Policy
>Commentary from Community Health and Environmental Policy
Commentary from Community Health and Environmental Policy
/content/rand/well-being/community-health-and-environmental-policy/commentary/jcr:content/par/teaserlist
Environmental Science and Technology
Measuring Greenhouse Gases in Los Angeles County
Los Angeles, once the U.S. capital of smog and sprawl, has vowed to lead the nation into a cleaner, greener future by stamping out carbon pollution. A small array of sensors installed on the roof of RAND's Santa Monica headquarters could help it get there.
More Than Green: Leveraging Green Bonds to Invest in Greater Climate Resilience
Karishma V. Patel, Michelle E. Miro
The significance of green bonds may depend not only on having a lot of them but also on carefully developing, investing, and tracking projects against the larger goal of climate resilience.
The Growing Green Bond Market Could Plateau. How Can It Grow Further?
David Catt, Nihar Chhatiawala, et al.
If green bonds are a viable tool to reduce emissions and adapt infrastructure to the effects of climate change, how can governments encourage the issuance, sales, and growth in the share of green bonds in the total bond market?
Green Bonds Can Leave Issuers in the Red
Brian Wong, Ismael Arciniegas Rueda
To achieve the Biden administration's blueprint for solar energy and focus on climate change mitigation and adaptation, green bonds may be worth considering. But Brian Wong (cohort '20) suggests that, like any other financing instrument, they may be best considered through a cost-benefit lens.
On Veterans Day, There Are Still Thousands of Homeless Vets in L.A. We Followed 26 to Find Out Why
Sarah B. Hunter
An estimated 3,900 veterans live unhoused in Los Angeles. The city has the largest VA medical center in the nation. There are federal housing programs exclusively for veterans. So why hasn't Los Angeles been able to make a dent?
Residential Housing
Renters' Last Chance for Pandemic Aid Before Evictions Resume
George Zuo
The pandemic has battered Los Angeles renters, and a new wave of pain is coming with the moratorium on evictions ending September 30. But this housing crisis doesn't have to turn into a new homelessness crisis. Californians with incomes below 80 percent of their area's median are eligible to receive funds from the COVID-19 Rent Relief program.
Hurricane Ida Is Part of a Cycle of Disasters—Mitigating Their Impact Means Building Back Better
Jay Balagna, Aaron Clark-Ginsberg @aclarkginsberg
Building back better means focusing on recovery that not only restores damage from a disaster but also reduces future risk. To meet that goal today, we need to look at the ways our disaster preparedness and response systems actually create risk themselves, by reinforcing things like wealth inequality, systemic discrimination, or access to crucial services.
Achieving Decarbonization and Energy Equity Through Reconciliation
Liam Regan, Benjamin Lee Preston @bl_preston
The past two years have witnessed increasingly vocal calls for rapid decarbonization of the global economy through a clean energy transition. How can Congress ensure that new costs associated with a clean energy transition do not fall disproportionately on lower-income ratepayers?
Alternative and Renewable Energy
Costa Rica Leads the Way in Cutting Carbon Emissions
Almost every country has pledged to slash carbon emissions to slow the gears of global warming. Costa Rica's plan provides a glimpse of what a carbon-neutral future will look like. It shows how nations can take action and make investments that hold up, regardless of what future comes to pass.
Climate Change Is Only One Driver of Explosive Wildfire Season—Don't Forget Land Management
Jim Whittington, Aaron Clark-Ginsberg @aclarkginsberg, et al.
The fire seasons that have been scorching huge areas and wiping entire towns from the map appear to be the future. Accepting that wildland fires are a part of our environment and working to live with fires rather than continuously fighting against them may be the most responsible path forward.
Public Health Preparedness
How Have Communities Been Faring During COVID-19? And How Will Lessons Learned Inform Future Response and Planning?
Anita Chandra, Linnea Warren May @LinneaKWMay, et al.
As the United States emerges from the devastation of the pandemic, it may be time to examine the choices communities made during the last year to see how these approaches shape continued COVID-19 response and recovery and help build resilience for future pandemic response.
Equitable Data Analysis: Lessons from a COVID-19 Research Collaborative
Linnea Warren May @LinneaKWMay, Jason Beery, et al.
The health inequities exposed by COVID-19 underscored the importance of collecting race-stratified data to inform local policymakers. For the public health researchers trying to provide that, the pandemic also revealed some major pitfalls, especially about relying on open-source data.
Researcher Spotlight
Robert J. Lempert
Director, Frederick S. Pardee Center for Longer Range Global Policy and the Future Human Condition
Robert Lempert is a principal researcher at the RAND Corporation and director of the Frederick S. Pardee Center for Longer Range Global Policy and the Future Human Condition. His research focuses on risk management and decisionmaking under conditions of deep uncertainty. Lempert's work aims to…
Nicholas E. Burger
Director, Washington Office
Nicholas Burger is director of RAND's Washington office and a senior economist at the RAND Corporation. His work focuses on environmental economics and international development, including energy and climate change. He was a lead author on the Fourth Assessment Report produced by the…
Explore Our People »
The future is not going to be like the past, and already, there are so many examples of flooding where it hasn't flooded before.
Melissa L. Finucane
Senior Social and Behavioral Scientist
RAND Pardee Center
Community Health & Environmental Policy
Cazier Initiative
Center on Housing and Homelessness in Los Angeles
Mid-Atlantic RISA
RAND Climate Resilience Center
RAND Pardee Center for Longer Range Global Policy

redpajama_set_name: RedPajamaCommonCrawl


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Trump claimed Tuesday that windmills cause cancer. But his long hate-affair with the renewable energy began in 2006, when he didn't wanted them near his golf course in Scotland.
There are many things Donald Trump publicly hates: the media, Hillary Clinton, Robert Mueller's probe, and even Meryl Streep.
But his hatred for windmills has been long and enduring, dating all the way back to 2006, when they interfered with his plans for a golf course on the Scottish coast. At the National Republican Congressional Committee fundraiser dinner Tuesday, the president floated his latest conspiracy theory about the renewable energy turbine, claiming its large metal structure decreases surrounding property values and its "noise" causes cancer.
"If you have a windmill anywhere near your house, congratulations, your house just went down 75 percent in value. And they say the noise causes cancer. You tell me that one, okay? Rerrrr rerrrr!" he said during his speech at the annual spring dinner, without offering any evidence to support the claim.
Trump's wind-power dig was part of a larger attack on his 2016 presidential opponent, Hillary Clinton, who campaigned to increase investments in wind turbine investments and other renewable energy sources to combat fossil fuels and carbon emissions.
"Hillary wanted to put up wind. Wind," he said.
Trump's Tuesday night attack on wind power is hardly a new strategy for the president, but an escalation of his long hate-affair with windmills.
His feud with wind power started in 2006, when Trump was developing plans to build a golf course in Balmedie, Scotland, just as a renewable energy group was developing a multimillion-dollar offshore wind farm close by. The idea of windmills spoiling the view on his golf course put Trump on the offensive, and he threatened to pull out of the deal—a move that prompted more wind farm proposals and social in-fighting.
The golf course and resort eventually opened in July 2012 and ignited Trump's hatred for the inanimate wind propellers.
Since joining Twitter, Trump has blamed wind turbines, known for effectively turning kinetic energy from wind into electricity, for killing birds (they do, but at a far lower rate than other energy sources), being "ugly" structures that "ruin the beauty of parts of the country" that "hurt tourism" and for leaving Americans without electricity when there is no wind.
"It's Friday. How many bald eagles did wind turbines kill today? They are an environmental & aesthetic disaster," Trump tweeted in 2012, the first of over 30 tweets the president has devoted to wind power. The tweet also linked to a Canadian news article about environmental activists meeting with the finance minister to discuss the potential threat wind turbines pose to the habitat in the Gulf of St. Lawrence.
Later in 2012, Trump blamed China for "illegally dumping bird-killing wind turbines on our shores. Only one of many grievances—we should act," despite any evidence suggesting the foreign country has installed the devices in the U.S.
The president reiterated this claim on Tuesday, calling windmills a "graveyard for birds." "If you love birds, you never want to walk under a windmill, because it's a sad, sad sight," he said.
"If Hillary got in... you'd be doing wind. Windmills. Weeeee. And if it doesn't blow, you can forget about television for that night, Trump said, bringing up his previous assertion that wind power is not efficient because it doesn't work when the wind isn't blowing.
"'Darling, I want to watch television.' 'I'm sorry! The wind isn't blowing.' I know a lot about wind," he added.
The president seemed to forget the battery-storage feature in the U.S. power grid that's set up to handle such changes in the weather.


text:
const config = require('./config/env');
const app = require('./config/express');

const debug = require('debug')('oantrade:index');

// listen on port config.port
app.listen(config.port, () => {
  debug(`server started on port ${config.port} (${config.env})`);
});

module.exports = app;

redpajama_set_name: RedPajamaGithub


text:
July 10, 2012 by Andreas
Protecting ULTRA – Must try harder?
ULTRA was the code-name given to radio interception and decryption of Axis radio communications. While many people know that this affected a lot of German radio communications, what is less well known is that Italian communications were also routinely decyphered. For a lot of good detail, see Chris' blog at this link. One of the problems faced by the Allies was to hide the fact that they had read a message, while still taking advantage of it. Otherwise there would be the risk that a reasonably smart enemy would quickly figure out what was going on, and change cypher methods. In the Mediterranean, what happened was that reconnaissance planes were sent out, often from Malta, to 'discover' convoys that had been reported in ULTRA. This way the Axis had a good explanation why the convoy was discovered, and would not get suspicious. The story below shows the wisdom of this approach.
Just before the time of CRUSADER, suspicions had been raised about the repeated failure of U-boat patrol lines in the Atlantic to succeed in engaging convoys. On 19 November, the war diary of Adm. Doenitz, Commander of the German submarine fleet, the translated version of which has been transcribed on U-Boat Archive notes:
A likely explanation would be that the British, from some source or other, gain knowledge of our concentrated dispositions and deviate thereby encountering perhaps boats proceeding singly. This knowledge could be gained by the enemy:
1) […]
2) By deciphering our radio messages. This matter is being continually examined by the Naval War Staff and is considered as out of the question.
In other words, there was complete faith in the security of the German naval encryption system at this time. While this unbreakable security may have been the case for the Kriegsmarine (although I doubt it), what was not considered was the repetition of naval signals or sending of related signals through other networks, e.g. the Luftwaffe, or by Allies. This was of course not as much of an issue in the Atlantic, but it certainly was in the Mediterranean.
About 10 weeks before that diary entry, Panzergruppe Afrika wrote to the German military attache in Rome, General von Rintelen, regarding shipping between Italy and North Africa[1]. The memo covers a range of issues relating to harbours, distribution of shipping space between the Axis partners, and also radio security, or rather the lack thereof on the Italian side. It states:
Shipping losses on the route to Tripolis are especially high. […] Furthermore the English (sic!) without doubt gain their information from radio traffic, which gives them a fairly clear picture about the departure and the individual situation of ships (see attachment). Regarding a reduction of radio traffic, compare minute of the meeting between General Bastico and General Rommel on 17 August 1941, sent by this Ia Nr. 25/41 Geh.Kdos. Chef – Sache on 18 August 1941.[2]
Furthermore it does not seem impossible that the English are using espionage (Naples?).
The attachment referred to above is of great interest, since it shows a number of cases where the ULTRA guard seems to have been let down sufficiently to arouse severe suspicions on the Axis side. It is quoted in full below:
Attachment to Kdo. d. Pz.Gr.Afrika Abt. Ia/O.Qu.Nr. 26/41 g.Kdos. Chefsache of 1 September 1941.
1) The following submarines were discharged in Bardia up to 30 August:
a) 10 August Zoea
b) 12 August Coridoni
c) 16 August Atropo
a) Arrival of Zoea was repeatedly moved. Announcement on German and Italian radio net. According to report DAK English air raids happened every evening on the announced arrival days. The locally ordered discharge at 5 AM on 10 August remained undisturbed until the departure.
b) Corridoni arrived as previously announced on the evening 12 August. From the start of discharging rolling enemy air raids occurred.
c) Arrival time of Atropo was foreseen for 15 August, but was moved. Nevertheless on the evening of 15 August a heavy English air raid took place. Atropo then arrived without announcement on 16 August and could be discharged without disturbance.
a) For 0900 hours 5 August the arrival in Bardia of the supply steamer Cicilia had been announced. As was found out later, this announcement was based on an error. Cicilia was meant for Benghazi. Again in this case on 5 August a particularly active English air activity reigned over Bardia.
b) According to Geh.Kdos. of Chief of German liaison staff at the Italian navy No.4 558 on 24 August at 0300 hours AM steamer Bellona was to arrive at Bardia. DAK reported for 24. August 0400 hours AM english air raid on harbour. The sea area outside the harbour was systematically illuminated.
3) It is of particular note that the English air raids always happened at the times of day notified in the announcement transmitted on the Italian radio net. (report DAK)
4) The Italian radio traffic is being supervised by German listening posts. According to Major SINGER, radio interception analysis office Southeast, even after three changes, every Italian key was decyphered.
It is clear from this that the suspicion was squarely on the Italians. What is also appears clear is that somewhere something had broken down in the protection of the radio interceptions (whether ULTRA or not), and the measures taken to intercept relatively unimportant Axis traffic into Bardia put at risk the capability of the Commonwealth to listen into Axis radio nets. Additional protection would probably have been easy, by just laying on more attacks at random times, to prevent a pattern from forming. But of course, air assets came at a premium in the Western Desert air force during the summer of 1941, with demands on the few available squadrons being very high.
[1] Command Panzergruppe Afrika, Abt. Ia/O.Qu. Nr.26/41 g.Kdos.Chefs., dated 1 September 1941. Copy held in NARA, Panzergruppe Afrika files.
[2] Afraid I don't have a copy of this.
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9 thoughts on "Protecting ULTRA – Must try harder?"
Chris | July 10, 2012 at 5:20 pm
The were many cases where the Germans attributed Allied successes to poor Axis signals security. In N.Africa the Italians were an easy scapegoat as indeed many of their low/mid level codes were easily decoded.
The ability of the Allies to take advantage of the Enigma cipher machine was never in danger, as the Germans did not have the resources to replace the huge number they were using ( depending on the author from 20,000-200,000 , the most accurate number seems to be 40,000) .
Andreas | July 10, 2012 at 5:29 pm
My guess is that this time they may have been right on the assumption. 🙂
I didn't think of replacing Enigma, but rather of adding additional security to the existing method, such as the fourth wheel to the naval enigma.
Well they did increase its security during the war. I'll write a piece about that in the future. Just to give a general idea : changing the sequence of the rotors every 8 hours, moving the slow moving rotor by hand in the middle of a message, changing the plugboard connections every 8 hours (this was stopped as it created problems!) and of course the mechanical modifications Uhr- http://www.cryptomuseum.com/crypto/enigma/uhr/index.htm
and UKW-D – http://www.cryptomuseum.com/crypto/enigma/ukwd/index.htm.
One that was designed but not introduced before the end of the war was the
Lückenfüllerwalze -http://www.cryptomuseum.com/crypto/enigma/lf/index.htm
UKW-D and the Lf would have shut down Bletchley Park had they been used in numbers…
Andreas | July 11, 2012 at 9:50 am
That's what I mean. I also find it astonishing that nothing was done about Italian radio security when it was clearly as deficient as the report makes out.
Chris | July 11, 2012 at 11:29 am
Well you might be overstating the ability of the Germans to make their Allies conform to security regulations. The Italians were a sovereign country and no one could order them to do something. Even in the Eastern front the Germans were always complaining about the security of their allies traffic.
The Germans did inform the Italians about their poor security but no serious changes were made. In the Italians defence it was low/mid level codes that were vulnerable. Their high level codebooks more or less defeated Bletchley Park.
I was thinking more along the lines of the Italians making changes out of self-interest once they were told how vulnerable their code books were, rather than the Germans ordering them to (which I agree would never have happened in the time frame). While I don't understand much about the terminology, I would have thought that the C-38 and Italian Enigma, both of which were read, would have been considered high-level codes?
Well the Enigma seems to have been used rarely. The C-38 was mostly used for the N.Africa shipping traffic, which was very important so you can consider it 'high' level although i don't think the Italians would agree.
John Beaman | September 23, 2014 at 4:12 pm
Also, the Germans still considered their Enigma machines to be unbreakable. Only the German Navy had its suspicions.
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Q: Import Data from Google Sheets into Excel (Using G-Suite) I would like to be able to import data from Google Sheets to Excel.
I can currently import data from Google Sheets into Excel, using VBA found (See below)'. However, to achieve this I need to change the 'Share' option on the Google Sheet to 'Anyone with a Link'. Is it possible to still perform the query in VBA, but only change the 'Share' option to 'Anyone in this group with the link can view' as I'm am using Google G-Suite and I do not want to make the Google Sheet Public to the whole world?
Sub Import_Sheets_to_Excel()
  Dim QRT As QueryTable, ul As String, ky As String

If ActiveSheet.QueryTables.Count > 0 Then ActiveSheet.QueryTables(1).Delete
  ActiveSheet.Cells.Clear
  ky = "1ldBURfb1mWJy-BfzHF_zMQawRyXKHUhJkOHvnsWno3o"
  ul = "https://spreadsheets.google.com/tq?tqx=out:html&key=" & ky
  Set QRT = ActiveSheet.QueryTables.Add(Connection:="URL;" & ul, _
    Destination:=Range("$A$4"))

With QRT
    .WebSelectionType = xlAllTables
   .WebFormatting = xlWebFormattingNone
    .Refresh
End With

End Sub

Have tried the VBA Code (above), but would like to know if there is an alternative solution.

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Of all the edges I know of, embracing amazing design is the easiest, the fastest and the one with the most assured return on investment.
Looks matter. We don't always want to face it, but it's true. People will make judgments about the quality inside based on looks alone. A pretty package gets more attention every time. So how can you make your posts more attractive to help guarantee they get read?
You've seen the advice to make your posts more scanable. While some will debate that people do read online, scanability aids readability. The more visually interesting you can make your posts the more your post will draw the eye all the way through and the more your words will get read. The good news is it's fairly easy to do if you keep formatting in mind as you write and remember a few simple design tips.
A well formatted post makes use of a few elements that contrast with the dominant paragraph style.
The key is the contrast between the string of words that make up your post and the visual element.
I have to admit I've not always done a good job formatting posts. My post design has improved over time, but it still has a long way to go. In part my poor formatting is a result of an overall design that didn't anticipate a blog. When I created this site I opted for a liquid layout over a fixed layout. The fluid design means the width of the main content column changes making it more difficult to control how the images will display. I've shied away from adding images in the past, but that's no excuse for poor formatting.
Take a look at the image to the right. It's an older post stripped of the site design around it. Not very inviting is it? You have to really want to read that post to get through it all. The post does make use of subheadings throughout, but it's about as poorly formatted as a post can get. Ironically it's a post arguing that graphics are important to a balanced design.
David Airey pointed out the irony in a comment on the post and neither the irony nor the lesson was lost on me. I've been more conscious of post formatting ever since.
Compare that post to the two below and notice how much more inviting these two posts are. In addition to subheadings, each makes use of images, whitespace, and lists. If you had to choose between either of the posts below and the one above, which would you read?
While I've done better with the formatting of my posts over time, I still have much to improve. There are blogs that consistently get the formatting right and they make a great example for learning. Look at the three posts below from DoshDosh, SEOmoz, and CopyBlogger. Each links to the original post as do all the screen shots in this post. I cropped the DoshDosh and SEOmoz posts a little. Both continued longer down the page, but the formatting you see continues to the end.
Notice the liberal use of images in Maki's post on the left. There's a rhythm to the post. Heading, text, image, heading, text, image, heading, text, image, etc. The images also add a lot of color to the post. Rand's post (above center) makes use of images as well with the same pattern, though the images don't contrast as much in their color.
Brian's post on the right has only the one image, but it includes headings, lists, and a blockquote. The blockquote itself is a list. The post is more distinctly formatted above the fold, which makes sense as once you've gone below the fold you're probably already hooked. Still the post contains a good deal of whitespace throughout.
By the way if you click to any of the three sites above take a look at the subscriber counts they show. Yes, all three have great content, but ask yourself if the post design also contributes to those counts.
Neither post contains an image, though both use lists to create whitespace. My post includes a blockquote at the top, but Daniel's post is designed better as it uses shorter paragraphs to create additional whitespace.
Both posts are limited in their formatting, but neither is particularly long and so not a lot of formatting is required. The key to crafting a well formatted post is in the balance. Too little and you have a long and boring string of text, too much and you have a crowded mess with everything in the post fighting for your attention.
The post to the left is from SEO Book. It does contain two images; one for the post date and one in the blockquote, but both are subtle. Most of the formatting is text based in the use of lists, a blockquote, and three levels of headings. Aaron's post makes great use of color in the subheads as well as the links. The post is very inviting.
SEO Book posts are generally formatted well, but if you look through them you'll notice very few have additional images beyond the two this post uses. The formatting is nearly always done through text elements.
It might sound strange to think that the way your information is presented can actually improve the information. The information is still the same isn't it? Yes. but the way you present your content does make it easier or more difficult to comprehend and that does alter the information received by the reader.
Look up to the original screen shot of my post that used no formatting. Would you read it? I probably wouldn't. I'm surprised anyone did. I could have made a great argument for using images in your posts, but who would know. If you did read it you'd likely struggle through, which would lead you to absorbing less of what's said.
As you write your next post think about how you could improve it visually. Images will have the most visual impact, but you can create an inviting post without them. The key is to find some way to create areas on the page that contrast with the standard paragraph.
Are you conscious of your post design as you write? What elements do you use to format your posts and create a more appealing visual design.
vangogh, what an excellent post. I loved Maki's vivid images, as well as the "rhythm" that you point out.
Another benefit to using images in your posts is that it might improve clickthrough rate from feed readers. I don't have any empirical evidence to back this up, but experientially, it always seems I am more likely to click through on a feed with an image than one without. It would also seem to dovetail with Gord Hotchkiss' eye tracking studies on thumbnails in SERPs.
Very Good tips indeed thank you for the info.
@David – Thanks. I agree about Maki. He always does a great job finding images to go with the posts.
You know I thought about how the images would look in the feed after I published this post. I ran into another post last night that mentioned it, though I'm at a loss at the moment about which post. It makes sense though, that images in the feed would help increase click through. Feeds particularly tend to look boring after awhile.
@Blogger Dollar – Thanks. I'm glad you liked the post.
…and the greatest of these is whitespace. Think of it this way, if you used all the other formatting elements you listed – images, headings, lists, etc. – without proper whitespace, you would still be in formatting hell. Yet, use whitespace alone, without any other element, and you would probably have a readable post.
@Stephen – That's true. Whitespace is essential. You automatically create some of it just by using paragraphs, but then again I have seen people writing as one long paragraph too. I never can understand why they expect it will get read.
@Gypsy Dave – I have noticed more imagery at your blog. It's funny because I'm a web designer too. I even tell people all the time they need to format their content and yet I still forget myself all the time.
You know a screen shot of SEO By The Sea almost made it into this post. Ever since Bill had the site redesigned I've had a thing for the way his blockquotes are colored. Don't tell him, but I may have to copy the idea when I redesign this site.
@darren – Thanks. I agree in less is more too. I don't think you should ever overdo design. You end up with something no one wants to see. Clean lines are your friend.
You know, that's a funny thing Steve-O. In case you hadn't noticed, over the last few months I have redesigned my blog and started using more imagery. It should have been a no-brainer considering I was a graphic designer, web designer in my past life. It took Bill to tell me one day that I should start using those talents on my blog. I really hadn't thought about it. I was ranting and rambling and delivering information, it never occurred to me.
Since I started, I don't know about my minions, but I sure like the look of things so much more. A picture is worth 1000 words and can pull people deeper into a post 'below the fold'. Is it tied to recent success? Who knows, but it certainly is part of what I have been doing differently the last few months….
I think clean lines and belief in the notion that less is more is a sure-fire crowd pleaser. Plus, it just LOOKS nicer.
I completely agree that attractive formatting can be SEO too. Thanks for the Yahoo tips. I need to think about them more when I format too.
Great article. I can't agree more on presentation. I don't like my beginning post that have to much color highlighted and font is unproffesional. I went on the advice of mentors. But finally broke away because it basically nausated me. And started doing clean text with subtle pictures and was much more impressed with the layout. And to my surprise my blog experienced more traffic and more interaction.
Thanks Megan. I'm glad you liked the post. Too much presentation is just as bad as no presentation. The key is finding the right balance, which sounds like what you've managed to achieve with the clean text and subtle pictures.
It doesn't surprise me at all that traffic and interaction increased as you improved the look of the page.
You have shared and giving me some great tips and ideas, has a new blogger I am teachable, so I am going to keep a close eye on your posts. Thank you and I am sure you are helping many of us out here. Kudus to you.
This was sent my way via Stumble, and it's good when you read something that makes you pause and think. Especially given the timing … I'm working on a post that I want to be "epic" in scale. I just got back from one of the lesser known national treasures, with my spirit recharged from being there … and it's naturally what I'm writing about.
I've got a killer WP theme, but it's interesting to look at the screen shots you took of posts without the site they live in. This is a new concept for me … I'd never stopped to consider one without the other. It makes sense that a beautiful template and a 500 word run on is going to be painful to look at … this is the kind of thing that's great to always carry around in the back of your head.
Even knowing the value of white space, I've always sought to write longer paragraphs. Short ones seem cheating somehow. I'll have to give that some though.
Forrest the packaging definitely improves the content at least in how well the content is absorbed. Long blocks of text are harder to read and can potentially turn a reader away. It's something I need to work on myself since I tend to write longer paragraphs.
Whitespace is your friend and does help make a post more inviting. The same is true for images and any visual candy you add within limits. You don't need a lot, but a little can go a long way.
You're in an enviable position since your posts will naturally contain images. If you add a list or two and vary the length of paragraphs you'll easily have some visually appealing posts.
There's a neat little Wordpress plugin that allows you to define pullquotes, which works a treat and helps break up text nicely and at the same time highlight aspects of your post you want readers to take away with them.
Thanks David. The plugin looks nice. I probably wouldn't use it myself. As someone who develops sites I would just as soon style a class to create the pullquote myself, but I can see how the plugin would be helpful to people not as familiar with html and css.
Actually, I think you're right. There are two serious drawbacks to using this plugin out of the box. The first is positioning – there doesn't seem to be any control of that. The second is that it has to use the exact text as is shown in the post, you cannot paraphrase.
I think I may take the hint and create a new class to do this much more elegantly as you suggest.
I think for anyone who knows html and css it's probably easier to create a class or classes so you have more control over the pullquote, but I can see where the plugin would be useful for someone who's not so comfortable with code.
How does the plugin know which text to add to the pullquote? Do you wrap some code around it in your post or does it create a custom field that you add the text to?
You wrap the chosen text in a hidden code. It's quite neat and is tweakable to some extent.
That sounds like it would be pretty useful for someone not too comfortable changing css files. I'd still prefer making the css changes directly myself since I'd have more control over things, but for the person who'd rather not edit the css directly the plugin sounds like a good thing.


text:
PSM Biological Research
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A Comprehensive Review of Biogas Sector for Electric Power Generation in Pakistan
Neelofar Shaukat COMSATS Institute of Information Technology, Abbottabad 22060, Pakistan.
Bilal Khan COMSATS Institute of Information Technology, Abbottabad 22060, Pakistan.
Taimur Khan COMSATS Institute of Information Technology, Abbottabad 22060, Pakistan.
Muhammad Naeem Younis King Fahad University of Petroleum and Minerals, Dhahran, 31261 Saudi Arabia.
Najam ul Faris COMSATS Institute of Information Technology, Abbottabad 22060, Pakistan.
Aqib Javed COMSATS Institute of Information Technology, Abbottabad 22060, Pakistan.
Muhammad Naeem Iqbal The School of Life Sciences, Fujian Agriculture and Forestry University, Fuzhou 350002, China; Pakistan Science Mission (PSM), Noor Kot 51770, Pakistan.
This review study is directed towards the establishment of commercial biogas sector for electric power generation in Pakistan. Pakistan is facing severe electric power crisis because of huge mismatch between supply and demand of electric power generation. Major issues lies at generation side as a consequence of poor infrastructure, depleting nature of conventional fuel resources. Keeping in view the Pakistan's agriculture base and environmental concerns we focus on biogas sector for electric power generation. The marked increase of 3.7% is observed in livestock sector of Pakistan according to economic survey of Pakistan 2012-2013. The aforementioned increase of livestock sector results in 1140 million dung production. Therefore, due to environmental concerns and energy crisis of Pakistan we need to utilize all waste and manure from livestock sector in an efficient way. The transformation process of manure and waste in to methane gas is called Biogas .This methane gas can be utilized as a fuel for domestic and industrial purpose. Therefore, biogas will act as an alternative, sustainable and renewable energy resource. We focus on KPK province for visiting the installed biogas plants and then further analysis the data provided by PCRET (Pakistan Council of Renewable energies technologies) for whole country. The aforementioned analysis clearly illustrated that there is a pronounced potential for commercial biogas sector for mitigating energy crisis in Pakistan.
Shaukat, N., Khan, B., Khan, T., Younis, M. N., Faris, N. ul, Javed, A., & Iqbal, M. N. (2016). A Comprehensive Review of Biogas Sector for Electric Power Generation in Pakistan. PSM Biological Research, 1(1), 43-48. Retrieved from https://journals.psmpublishers.org/index.php/biolres/article/view/23
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text:
Q: Merging several sentences Situation:
Total 10 samples were parsed.
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The number of samples which I could not parse.
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I want to place the word 'Samples' in the front.


text:
Leigh Hart, in lockdown (photo: screengrab)
TelevisionMay 12, 2020
But then, drama: Leigh Hart's clip show was the best TV of lockdown
By Duncan Greive
CEO / Publisher
Made by a single family sewing together bits of old shows, Leigh Hart's Big Isolation Lockdown was the funniest and most oddly comforting television created in level four, writes Duncan Greive.
It takes a special kind of ego to make what is functionally a career retrospective about yourself, with your family as extras and directors, during the seven weeks of lockdown. But Leigh Hart's career is so vast and strewn with bizarre curios that it screams for such a treatment, and his status as mainstream television's most DIY outsider, existing as a permanent parody of its values, means that no one else was ever going to do it for him.
Leigh Hart's Big Isolation Lockdown just finished its run, playing on Duke and TVNZ OnDemand, off-peak locations for a talent seemingly too strange to thrive on the big stage. The setup is simple – it's Hart and his family holed up in a cabin, with him commandeering his wife, son and daughter (who are all exceptionally funny too) to shoot him doing links between clips from his enormous and very rich back catalogue. The lockdown material is shockingly great, a tribute to his comic ingenuity, with deeply stupid gags, like pretending to hand-crank the footage back to an editor through an old telephone, landing better than they have any right to.
Along with the on-location material, he hauls in guests for Zoom appearances along the way. Their fame shows how devoted his fanbase is – it's one of the oddities of his career that he seems both beloved by New Zealand's biggest names and to have a very uneasy relationship with its TV establishment. Over the course of six episodes, he dragged in Kieran Read, Jason Gunn (brutally and hilariously), and, most bizarrely, PM Jacinda Ardern for what must be the strangest interview conducted with a world leader in the Covid-19 era:
She handled it well. The best guests on Hart's shows don't try to play along. Ardern treated him as she might any soft media, as it all fell apart, with Hart persistently interrupted by Jason Hoyte demanding his leaf-blower back.
Hoyte appeared throughout the series, and is Hart's longest-running collaborator, with clips from Screaming Reels, the Late Night Big Breakfast and Speedo Cops regularly appearing throughout the Lockdown series. The duo have a rambling, digressive rapport, deployed to take apart various archetypes of New Zealand men. On Screaming Reels it's the gearhead enthusiasts whose poorly disguised secret is that they can't fish. On LNBB it's the ill-prepared variety show hosts, forever letting their own hangups become what the interview's really about. Speedo Cops… actually I don't really know what Speedo Cops is about. Same with the desolate saga of Colin, the Hamster Man from Amsterdam.
So it goes for a whole thread of Hart's comedy. The final episode begins with a clip in which a mother starts breastfeeding in a cafe, which feels set up for some kind of comment on public reaction to the act. But then, drama – milk sprays like a waterblaster, destroying the crockery and drenching the patrons. We cut back to Hart at his holiday home. "I'm not really sure what that was, to be honest," he says. That goes for Speed Cooking, wherein he demolishes a kitchen, yelling about jus and using a chainsaw to make a quiche lorraine. It also goes for him destroying a blind during an Eddie Jones press conference. The line between absurdism-as-commentary and just weird funny shit is intentionally thin throughout.
It's not without tension. Hoyte's roaring "cook us some fuckin' eggs" at a truly shocked Nadia Lim is on one level a savage comment on those who watched One Were Warriors without feeling it, and found it as quotable as The Hangover. But it can be read in other, darker ways, too. Likewise, the frequency with which women are some variety of prop in the various sketches feels tense at times.
Yet the likes of Jo Seager, Jax Hamilton and even Ardern clearly enjoy the chaos erupting around them, and Hart's entire career is ultimately a skewering of New Zealand men's behaviour and character. Done with a lot of affection, admittedly, but with such brutal accuracy that every Uncle Barry in the country has to feel extremely seen by the whole thing
Hart is ultimately one of the most original talents New Zealand has produced, successful here because of his fascination with this country's peculiarities. As it goes for his comedy, so it goes for his business side. He is essentially alone among our creatives in owning everything he's made – hence the essentially complete treasure trove of an archive that is Moonflix, a kind of working Netflix parody/nightmare where every show stars Leigh Hart. While so much of New Zealand's TV archives are locked away in production company vaults, Hart's are all there, even his just-released lockdown series, in full and ad-free.
It's also there in the way Wakachangi ads are baked into his shows, parodies of the (mostly gone) era where a smooth dude impresses a bar by drinking a Heineken. They also advertise his massively successful beer. Is it legal to have undeclared beer advertising in the middle of a show? Who knows. It feels like Hart makes things entirely outside the system, and the system mostly just leaves him to it.
When Covid-19 hit, Hart was back at the Target furniture store on Auckland's Dominion Road, deep into shooting a return series of Late Night Big Breakfast, the fourth (I think) go round for one of his most successful setups. The show was cut adrift from TVNZ after an utterly perfect season in 2014, a breakup between network and star that felt acrimonious enough as to be final. Time has healed all wounds – New Zealand is too small to maintain all but the most deeply felt of grudges. It's beautiful and even a bit moving seeing him getting weird while so many of us are locked away, and to soak in nostalgia for all the long-dead cultural reference points of the various clips. Most of all, it's reassuring, amid all this change, to have big, blundering Leigh Hart back on the state broadcaster, making shows about New Zealand, and the strange ways of a particular species of men who live here.
Watch the complete Leigh Hart back catalogue on Moonflix


2 Our indepth understanding of both the hospitality and legal sector ensures that the needs of every party and the importance of your mediation is thoroughly understood and meticlously catered for. Founded in 2008, Karstens Mediation Rooms offers a private and secure environment for your mediation or arbitration. Our indepth understanding of both the hospitality and legal sector ensures that the needs of every party and the importance of your mediation is thoroughly understood and meticulously catered for. This, combined with superbly appointed comfortable rooms with adjoining breakout rooms and complimentary, continuous espresso coffee and tea served in our break-out area makes Karstens the best possible choice for your next mediation or arbitration.
6 Catering We know that your participants are looking forward to their breaks so we provide fresh, healthy and delicious food with a variety of catering options for your event. ü Continuous tea, coffee and biscuits are included in all room hire rates ü All lunch options are served with orange, apple juices and chilled water. ü All prices listed are per person and inclusive of GST ü Listed menu items are examples of our full offering our chef selects and rotates items daily ü On request, you can mix and match menu items, for example you can match a Healthy Morning and Afternoon Tea with the Buffet style lunch ü Karstens caters for vegetarian, gluten free, kosher & halal (upon request) Working Conference - Full Day Package from $33.05 Morning Tea $7.90 A daily rotation of 2 items including Danishes, ham & cheese croissants, cheese & tomato croissants, almond & chocolate croissants, plain & fruit scones W jam, cream, sweet & savoury muffins Lunch $19.25 A daily rotation of 2 lunch items including mini brioches, baguettes, wraps, Turkish bread, sushi, variety of meat & vegetarian salads, mini pies & sausage rolls, soups & lunch rolls The above lunch with a cheese and fruit platter $25.70 Afternoon Tea $7.90 A daily rotation of cakes & sweets- 2 items including pineapple & coconut cake, coffee macadamia cake, chocolate cake, apple & cinnamon cake, variety of macaroons, mini friands, mini cupcakes, lamington bites and fruit scones Healthy Conference - Full Day Package from $39.30 Morning Tea $9.25 A daily rotation of two healthy items including Bircher muesli, fruit skewers, variety of homemade smoothies, flourless quinoa & almond slice, muesli slice, yoghurt with fruits, wholemeal mini muffins, savoury mini muffins, oats, coconut and almond slices. Lunch $20.80 A daily rotation of 2 healthy option items including variety of meat & vegetarian salads, sushi, soup & lunch rolls, mini multigrain rolls, light rye rolls, multigrain baguettes with variety of healthy fillings The above lunch with a fruit platter $25.70 Afternoon Tea $9.25 A daily rotation of 2 healthy option items including fat free dips, served with cucumber and carrot sticks, gluten free and low fat biscuits, friands, low fat macaroon slices, apple crumble slices, low fat apricot and muesli slices, fruit skewers.
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9 Locations Melbourne 123 Queen Street Sydney 1/111 Harrington Street Brisbane 24/215 Adelaide Street WILLIAM ST BOURKE ST QUEEN ST ELIZABETH ST LITTLE COLLINS ST COLLINS ST From the Airport Distance 25 km Estimated taxi fare $ 60 Bus (Skybus) $ 18 Public Transport Stations 8 minutes (Flinders Street or Southern Cross Stations) Trams Collins or Bourke Str. Taxis Silver Top Black Cabs Transport info Catch any train or tram service into the city. Less than 8 minutes separates you from two of Melbourne s busiest stations; Southern Cross Station and the Melbourne iconic meeting spot Flinders Street Station. Parking There are a number of car parks in the vicinity of Karstens. Parking is available in the same building, with the entrance on the corner of Queen and Little Collins Street. Hourly or daily rate applies. Telephone (03) Walk Only 3 minutes walk from Bourke Street Mall, 8 minutes from Southern Cross and Flinders Street Stations. Distance 9 km Estimated taxi fare $ 55 Train $ Circular Quay 3 minutes from Station Wynyard 5 minutes from Station Bus George Street Taxis Yellow Cab Black & White Cabs Transport info Heading from Circular Quay station head west along Alfred Street, turn left down George Street, right at Essex and right into Harrington Street. There are a number of car parks near Karstens. Parking is available in the same building, Wilson Carparking. Hourly or daily rates apply. Telephone About 8 minutes walk up George Street from the heart of Sydney s CBD heading north towards Circular Quay. Or just a short 5 minute walk from Circular Quay. Distance 17 km Estimated taxi fare $ 50 Train $ Central Station 2 minutes Bus Outside Building 215 Adelaide Street Taxis Yellow Cab Black&White Cabs Transport info Catch any train service into Brisbane City, stopping at Central Station. Only 2 minute walk from Karstens, with undercover walkways connecting to Adelaide Street. Closest parking is in adjacent car cark at Anzac Square and Secure Parking on Adelaide Street, between Creek and Edward Street. Just 2 minutes from Central Station, 3 mins from Queen Street Mall, 5 mins from Eagle Street Pier Food Precinct, 10 mins from Fortitude Valley & Southbank parklands.
10 Other Services Conference Rooms Our Conference & Training Rooms offer you and your organisation the absolute best in ambience, facilities and service. Our in-depth understanding of both the hospitality and corporate sectors ensures that the individual needs of every patron and the importance of your event is thoroughly understood and meticulously catered for. This combined with the latest audiovisual equipment and superbly appointed rooms, makes Karstens the best possible choice for your next event. We can up or downsize according to your final participant numbers. Computer Training Rooms Our technical staff can image and configure software and set up access permissions to suit your requirements Karstens offers state of the art technology; i7 desktops and fibre optic internet combined with spacious comfortable training rooms ensuring your participants are at ease and focused on their training. All our classroom style rooms have natural light and are fitted with ergonomically designed furniture comfortably seating between 8 and 20 people plus presenter. Video Conferencing With high-definition picture quality, no embarrassing pixilation or time lag, and Multipoint calls, ability to share documents and capacity to record and stream your meetings. Amplifying the benefits of our fibre link between Melbourne, Sydney and Brisbane. Continuity Matters Karstens business continuity has a range of flexible emergency office solutions in the Melbourne, Sydney and Brisbane CBD s to accommodate your staff during an extended unavailability of your office facilities. The Melbourne, Sydney and Brisbane conference centers offer over 85 rooms that can be configured to meet your specific requirements - ranging from small offices to very large conference rooms.
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Writing WA has been pursuing strong relationships with writing and publishing communities throughout South-East Asia since 2010. During this time we have enabled nearly 60 Western Australian writers and illustrators to participate in major regional festivals such as the Asian Festival of Children's Content and the Ubud Writers and Readers Festival.
Our work in the region has also resulted in the commissioning and publication of two anthologies of short fiction. Collectively these publications feature the works of 17 Singaporean and 17 Western Australian writers.
In 2019 we expanded our international focus to create a new festival for Western Australia. In partnership with Teamwork Arts India, producers of the Jaipur Literature Festival – the largest literary event in the world – and the Mandurah Performing Arts Centre, we launched the Confluence Festival of Indian Arts in Mandurah. The centre piece of this multi-arts festival was a two-day literary program featuring many outstanding authors including William Dalrymple, Shashi Tharoor and Kim Scott.
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Home Entertainment The Rosengart Collection: It All Happened by Accident
Entertainment World Travel
The Rosengart Collection: It All Happened by Accident
By Gary Singh
Picturesque Lucerne forms the backdrop of the Rosengart Collection.
"The professional art dealer is a profession that only makes sense if you do it with your heart," explains Angela Rosengart, as she leads me through the ground floor of the collection that bears her name. She wears a pink sweater highlighted by a necklace of gold-colored pedants. Her silvery hair is tied back tight around her head. Speaking from half a century of art acquisitions, she continues, adding that a dealer shouldn't get too attached to the paintings. If that happens, you're in trouble, since you might find it difficult to sell them and maintain the business.
Angela is the daughter of Siegfried Rosengart, who passed away in 1985 after a lucrative career as one of the 20th century's most distinguished art dealers. Based in Lucerne, Switzerland, he and Angela operated the business together for decades, often purchasing works for their own personal appreciation rather than for any intention of moving them as product. In the process of becoming close friends with Pablo Picasso, Marc Chagall, Paul Klee and nearly every high-profile European artist from the 1940s onward, the Rosengarts amassed an unrivaled collection. As dealers, they knew everyone.
Angela Rosengart is a living connection to Picasso, Chagall, Matisse and Klee.
After her father died, Angela eventually created a foundation to keep the paintings and make them publicly available. Since 2002, the Rosengart Collection, now over 300 works, has occupied the austere neoclassical building at Pilatusstrasse 10 in Lucerne, formerly the Swiss National Bank, just a few blocks from where the Reuss River flows into the lake. Upon acquiring the old place, Angela hired the Basel-based architect Roger Diener to transform the building into a museum-style structure with subtle lighting and wide spaces to enhance the viewer's experience of the artwork. Much of the original ornamentation remains. Diener wanted a simple look. Nothing superfluous, nothing grandiose.
"He understood painting and he was fond of old buildings," Angela tells me.
Picasso was a friend of the Rosengart family, so the entire ground floor features his works, mostly from the later decades. One moves through the work chronologically. For example, one gallery is primarily dedicated to the '50s, while the next covers the early '60s. There are many paintings of Picasso's various lovers.
Pablo Picasso, Buste de Femme (Jacqueline), 1963. From the Rosengart Collection.
Picasso even famously sketched and painted Angela Rosengart herself. Another floor features David Douglas Duncan's photographs of Picasso at work in his studio, including a few shots from October, 1963, with Angela sitting in a chair, as Picasso draws her.
Picasso drawing Angela Rosengart, 1963. Photo by David Douglas Duncan.
"I had to sit there and endure the looks from his eyes," Angela tells me. "The looks were like arrows."
The eyes of Picasso, as photographed by David Douglas Duncan.
As we move through the rooms, I can feel the sheer vitality of Picasso's output emanating from the walls of Pilatusstrasse 10. It's like stepping into his very own studio. For example, as we turn a corner, Angela leads me into another space featuring some of Picasso's etchings from 1968.
"He did something like 347 etchings that year," she explains. "He would complete one after the other."
Nothing beats exploring a three-story art collection, guided by the benefactress herself. I'm almost star-struck. It's hard to speak. Yet Angela is no rock star. During my tour, tourists filter through and ask the inevitable vacuous question: Which painting is your favorite? But Angela says there's no way to answer. It changes every day. This is also how writers respond when readers pry into which story, or book, or column is the most favorite one, a question no writer can answer, except to say, "That's like asking which one of your children is the most favorite one." So I get it.
Pablo Picasso, Femme dans un Fauteuil bleu (Jacqueline), (1960). From the Rosengart Collection.
With the utmost of humility, Angela won't even refer to the works as a collection. Instead, she repeats over and over that she "simply has beautiful pictures."
Aside from Picasso, the beautiful pictures include works by Paul Klee, Matisse, Monet, Kandinsky, Leger, Braque, Seurat, Renoir and Cezanne. With even more humility, Angela reiterates that the entire "collection" happened by accident. She and her father never planned to present them as a "collection" of any sort.
"The paintings were acquired over the years and we just didn't want to part with them," she admits.
In fact, her father never even planned to be an art dealer in the first place. That was likewise accidental. Initially, Siegfried served as general manager of the Lucerne branch of the Munich-based Thannhauser Gallery before taking over the gallery himself in 1937. After that, he operated the business as sole owner under his own name. His life just unfolded in such a way that he became a world-renowned dealer and agent.
Angela grew up with it all. At age 17, she purchased her first work, a piece from the Paul Klee estate. She paid fifty Swiss Francs, one month's salary at that time, for a piece titled Little X. The piece now adorns one wall in the museum.
Little X by Paul Klee, Angela's first purchase.
Eventually Angela joined on as co-owner of the business and although the father and daughter made a living buying and selling works of art for decades, they often found themselves in a dilemma. In their hearts, they really didn't want to get rid of anything. They developed a personal attachment to many of the works.
None of which could have been planned. Growing up, Angela never dreamed Pablo Picasso would eventually draw her likeness five times. He gave her all the drawings, a few of which also hang in the collection.
"I like to say I snuck into immortality through the back door," she tells me, with a subtle grin.
I get the feeling she's probably rattled off these lines before, but if I had received my own portraits directly from Picasso, I'd repeat myself a thousand times. I'd shout from the street corner. I'd run down to the bar and tell the story over and over.
Yet Angela doesn't need to show off. She instead exudes an overflowing sense of gratitude, humility and a Zen-like serenity—all of which is infectious. As we stand there, tourists continue to filter through and pillory her with the same questions she's been asked for decades. She rolls with it. There is no ego. In fact, it feels no different than a hostess introducing me to her family, the paintings being her kin, of course.
We then move into yet another room. Gracing one wall is the painting, Dancer II, by the Catalan master Joan Miro.
"He was a friend too," Angela adds.
Finally, we descend into the basement, formerly the vault of the Swiss National Bank, now split into separate rooms dedicated entirely to the Swiss artist Paul Klee. Over 100 of Klee's watercolors, drawings and paintings hang chronologically, providing tremendous insight into the evolution of his various styles and themes.
In the basement, the walls seem three feet thick. It cost $100,000 to break through one wall in order to divide up the space. The concrete floor is now covered with 100-year-old wood flooring that Diener discovered in an old home. The flooring gives the basement a homey feel.
"It has a new life," Angela says.
Angela never married or had kids. She tells numerous visitors that the paintings are her children, a line I again sense she's been forced to repeat many times.
Through Angela, I experience a living connection to some of the twentieth century's most illustrious artists. If she indeed snuck into immortality through the back door, then I am now one trans-generational Kevin Bacon degree of separation from Picasso, Miro, Paul Klee and Chagall. Only in Lucerne could I say this. No matter what happens, Angela will live forever through this immaculate collection, an inspiration to anyone whose life has unfolded by accident.
The Rosengart Collection sits a few blocks away from the famous Chapel Bridge in Lucerne.
TagsAngela RosengartArt Dealercezannehome_pagekandinskyLegeManetMarc ChagallMatisseMonetPaul KleePicassoPilatusstrasse 10RenoirSeurat
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