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Monday, September 17, 2012
Olympus M.Zuiko 60mm F2.8 Macro Lens Preview
155 comments:
...might have to shoot this lens continually for a year if it is meant to outperform the 50mm f/2.0 :-)ReplyDeleteReplies
LOL !!! I think after shooting a year with your 50mm, you can surely use the 60mm, its quite similar in focal length !!Delete
- Anonymous9/17/2012 06:02:00 PM
Looking forward to hearing what you think about 60/2.8 Robin. I know you love the 50/f2. I just happen to be madly in love with this 50/2 beast! It is probably the best "flawed" lens ever made by any manufacturer for any system! Like you, my macro equipments(previously E-5/E-30 with 50/2 and EX-25)have taken a beating along with the bruises, nicks and cuts, neck pain etc that come out of shooting with Olympus 50/2 with extention tube lying head long on the ground! But I love that beauty of a beast!ReplyDelete
My current Set-up: OM-D E-M5 + 4/3 Adaptor+Ex-25 Extention Tube(~2x scaling) + ZD 50mm/F2(1:2 magnification)
Tripod: None. Shot handheld.
Distance to subject: about few cms
Focus: manual focus
Here are the results of extreme macro from my E-M5 paired with 50f2:
(let me know if the 60/f2.8 can beat this with E-m5!)
The magnification with this set-yp is either 1:1 or 2:1 depending on which side of "35mm equivalence" boundary you are. Its only a matter of syntax -its lifesize regardless. For the past few months, I used an OM-D E-M5 stacked with a 4/3 adaptor + EX-25 extention tube mounted on a zuiko digital macro 50mm/f2 lens. From a four-thirds native stand point, this results in 1:1 images with the 50mm/f2 lens offering a 0.52x magnification (half life-size) as standard and extention tube scaling it by ~2x resulting in .98x native magnification. In 35mm terms it "could be" termed 2:1 magnification due to sensor size(2x crop). I do all of my macros hand held with manua focus and dont find this as a show-stopping problem any more . The extention tube is quirky and it makes it necessary for me to focus manually and then rock(in mm!) gently back and forth to achieve critical focus and magnification. Neck pain is guaranteed after a 2 hour shoot. Helps to breathe out and lose all muscular tension before pressing the shutter. This is good practice for improving your technique by 1 or 2 stops. Never the less, having done all this work and gained experience I am not sure I nneed to shift to the newer m4/3 macro lens unless:
1. 60/2.8 can beat the 50/f2 hands down in image quality
2. 60/2.8 can effectively autofocus at 1:1 macro mode with the subject inches away from the camera
3. the distance to subject with 1:1 magnification with the newer 60/2.8 is significantly and comfortabl longer than 50/f2.
4. 60/2.0 renders MUCH better bokeh than 50/2.Replies
Robin, sorry about the anonymous post. This is bhooshan. You can find me at: flickr.com/bhooshaniyer or facebook.com/bhooshan.iyerDelete
Hello booshan,Delete
I am glad to find another lover of the legendary 50mm macro lens!!! I have been wanting to get the ex-25 extension tube but never did so because I was wondering if it would be wiser to get a 35mm instead. nonetheless the sharpness of the 50mm f2 lens is something we can.be very proud of.
I shall.do my best to answer your questions in my coming blog review of the lens. I am still.in the midst of gathering enough material for my review.
Thanks Robin, I am sure you would not give 60/2.8 a pass unless it deserves, it! Keep up your good work! I am a silent reader of your blog but the 50/f2 is too much of a temptation to resist interaction!Delete
Leave your comments on my macro album- http://www.flickr.com/photos/bhooshaniyer/sets/72157631510721235/
And if its any good , please post it in your blog. Let people know what can be achieved with an "outdated" 4/3 lens! :-)
Hello again Bhooshan,Delete
Thanks for sharing your wonderful macro shots. However I do not have a flickr account, hence I won't be able to communicate with you there. Nonetheless I am not qualified to give any useful comments on macro photography. I am still a learning macro shooter. So no worries, I am seeing plenty of good stuff there. Keep it going !
BTW, the extention tube is a must for 50/f2 IMHO. 1 simple reason is because once you add the extention tube you will stop the whole auto-focus sham with 50f2 and you will only be using the combination in manual focus. So this way you wont be complaining about teh hunting or the lens travelling its whole range etc. You are purely focussed on getting the best out of the system. The biggest 50f2 weakness is thereby neutralized! :-)ReplyDeleteReplies
I have considered getting the extension tube. The reason I have not got one is because my priority these days have shifted to street photography. I no longer religiously shoot macro every week like I used to (back then I used 35mm so I had full 1:1 magnification). I only do macro once in a while, hence the less frequency of shooting macro did not justify the need of spending for that extension tube. Nonetheless, if I do get serious with macro again, I will surely get one.Delete
Hi Robin. Great to see you review this lens, which I am really interested in. I've managed to avoid buying the E-M5, the Panasonic 12-35, etc......but this lens is looking hard to resist. It's still going to be a very good portrait lens, and fast enough for most situations. I've never really "played" with macro, but have often wanted macro capabilities from my 45/1.8.ReplyDelete
I'm also thinking it will be a very handy video lens for the kids sports, both rugby and skiing. Have fun with the review!
Cheers, NZ ( and Qatar) TomReplies
Also, I just saw the price of this lens in the USA, $499. Brilliant, only $100 more than the 45/1.8! Will definitely be getting it, it is great value. Hope it's in stock soon in the UK, my wife is traveling there next month.....Delete
Hello Tom !!Delete
I am sure you will love the 60mm F2.8, and if it is priced as you have mentioned, I might just get one for myself !!
I am already itching for this. I have been waiting for this since the leak on this lens was reported and as a result held off buying the Panny Macro.ReplyDeleteReplies
That was a VERY good decision. Good things come to those who wait !!
This comment has been removed by a blog administrator.ReplyDelete
I'm very excited to read your further thoughts on this lens. The original 50mm macro is easily the best glass I've owned in terms of pure image quality. It was a sad day when I let it go, but the slow focusing just wore me out. I currently only have the E-PL1 on hand so please test the new lens on your E-PL1 as well. I would very much appreciate it.ReplyDeleteReplies
Thanks Wataru !! Unfortunately due to time contraint I wont be able to test it on E-PL1. last weekend has been very busy for me.Delete
Oh one more question. Does this come with the lens hood? Based on past cheapness the answer may be "no", but I haven't seen any prices or mention that the hood is separate yet so I'm hopeful. Thanks again.ReplyDeleteReplies
Wataru, the lens hood is an optional accessory that does not come together with the lens. Quite an unfortunate thing I dare say.Delete
- Anonymous9/18/2012 12:51:00 AM
Hi Robin,ReplyDelete
Nice preview...but looking forward to your torture test.
Eric V
Edmonton Alberta CanadaReplies
Thanks Eric, torturing it now.Delete
The Force is strong with this one. Oly is on a roll! The system is looking better and better. With the new body out, with the same sensor as the OMD-E5 its very tempting and yummy indeed.ReplyDeleteReplies
You are right, the system is getting better and better !
Robin: Thanks for the taste but I need photos, please!!! :) Hopefully There you'll be able to get one of the 15mm body cap lenses soon, too. I'd love to see what the image quality is like.ReplyDeleteReplies
Working very, very hard on it right now. I will see if I can get the 15mm, and if Olympus Malaysia already has it.
Yo Robin.. nice one.. Looking forward to see your test shots.. :)ReplyDeleteReplies
Thanks Joshua !! Working hard on it now.Delete
- Anonymous9/18/2012 06:47:00 PM
Thanks for that - I will certainly be getting one of these as soon as finances allow.
One question, though; do any of the flash systems that worked with the 50mm f2 work with this - i.e. ring flash, twin flash, so you know?
Hello Steve,Delete
Yes, all those equipment works fully with the 60mm, with a new adapter, which will also be released at the same time with the 60mm's availability.
- Anonymous9/19/2012 06:29:00 PM
Excellent news - many thanks, Robin. I won't need to sell those and buy new ones, then.Delete
Indeed, it is a smarter move than to create a whole new range of accessories ! that would be more troublesome for everyone.Delete
Hi Robin,ReplyDelete
I'm really looking forward to reading your opinion on this lens as well as seeing the results from it. I've held off buying the Panasonic 45/2.8 macro to wait out for this Zuiko 60/2.8 (well, that and trying to save up along the way). From the price point, the Zuiko is most likely going to be at EUR 599 (in Germany), which is EUR 150 cheaper than the Panny 45/2.8...so seems it would make sense. :-)
Anyway, can't wait to read your review!
Hello Victor, thanks for the kind words !! I shall do my best for the coming review. Do hang in a bit more.Delete
- Dex Lowe9/19/2012 01:08:00 AM
How about just a few sample pics while you are putting things together. The suspense is killing me/us....Replies
Patience, Dex !! Doing my best here.Delete
- Tony Jupp9/19/2012 06:35:00 AM
Hi Robin,I have held of buying any other macro lens since I bought my omd,nearly bought the oloy 50mm for $380 second hand but really want the 60mm. Looking forward to your review as I allways do.Thanks,Tony P.S.I love taking photos of my cat also :)ReplyDeleteReplies
Thanks Tony. Waiting for the 60mm is a wise choice. trust me !Delete
hello Robin, I'm curious about the image quality for 60mm Macro. I guess it's between 45mm/1.8 and 75mm/1.8 (also the price is ).ReplyDelete
If its quality is very close to 75mm, that is a good budget option for M43 users. Hope to see your work soon.Replies
Hello ckwin,Delete
Thanks for the anticipation. There is no doubt the image quality of the 60mm macro is VERY good. We shall wait and see.
- Anonymous9/19/2012 08:21:00 PM
Robin I purchase my lenses based on your reviews! so I'm patiently waiting for this one! also could you attain a Nokton 17.5mm as I would love to see your thoughts on it.ReplyDeleteReplies
I shall publish this very soon. Hang on there a bit more.Delete
- Anonymous9/20/2012 12:39:00 PM
Of course 1:1 is 1:1 and has absolutely nothing to do with crop factor. When the image formed on the film plane is the same size as the subject being photographed... you have 1:1 magnification. The sensor can be from an iPhone or from the Hubble telescope; it'll still be 1:1. If one is to evaluate and review a macro lens, then one should understand a macro lens. Bee on film plane = Bee on flower means 1:1. Why can't people understand this?ReplyDeleteReplies
First of all, include a NAME when you comment.Delete
I agree that 1:1 on a MACRO LENS is still 1:1. However, put it on a SENSOR it is a completely different thing. You get a lot MORE magnification. On micro 4/3 you get 2:1. It is sooooooo simple.
Let me ask you another question. is 60mm on micro 4/3 the same as 60mm on full frame sensor? On full frame, the field of view is 60mm. But on micro 4/3 it is 120mm. It is because of the DOUBLE 2x magnification factor that tranlates to equivalent 2x magnification factor from a 1:1 magnification. Why can't YOU understand this?
Now this is your mistake in assumption. The image captured by this 60mm is TWICE the size of the subject being photographed. It is NOT the same size. Do the math carefully before you question people's understanding.Delete
- Anonymous9/20/2012 09:10:00 PM
I'm not sure that's quite right. (I'm not the original poster, by the way). The definition of Macro is life size on the film or sensor. The size of the sensor is not part of that definition. So for instance on 645 film, 1:1 is an inch on the object will be represented by an inch on the film. And the same is true of 35mm film - an object one inch long will be one inch on the sensor. And, were there sufficient space, it would take up an inch on the M43 sensor. The difference is that you would not get as much of the object on an M43 sensor as on a 35mm film/sensor, and you wouldn't get as much on that as you would on a 645 film/sensor. For a given focal length of lens, that's the only difference. A picture taken with a 50mm lens on a 35mm camera will look identical to a 35mm-sized area in the middle of a 645 camera taken with a 50mm lens.Delete
Of course, once you enlarge an image for a final print, all bets are off. You can take a picture of someone's face with 645, enlarge the eye to life size - no problem. But that's not 1:1 in Macro photography lens terms.
So if you use a 60mm macro on the M43 sensor at 1:1, you will get an image that is the same size as the ojbect being photographed. You will get the same effect using a 60mm macro lens at 1:1 on a 35mm camera - except that you will get more of the object. Take that central m43 area of that 35mm photo, and compare it with the whole of the m43 sensor and there will be no difference (pixels etc. apart).
- Anonymous9/21/2012 12:34:00 PM
Exactly, Anonymous #2. Taking about crop factors as a component of a macro lens is totally irrelevant. The lens is 1:1; it has nothing to do with the camera. I can photograph a ladybug from 6 feet away and blow it up in post-processing until it's zoomed in to the size of my monitor... it hardly changes the lens's magnification factor. Saying that the sensor crops the image and therefore its magnification properties change is simply disrespecting physics. You're using the same bogus argument that says this lens is "really" a 120mm lens. It's a 60mm lens with a different FOV on a cropped camera. Being on a cropped sensor doesn't change the actual focal length of the lens.Delete
It's as simple understanding of math really. A 1:1 ratio means that whatever's on the left is equivalent to whatever's on the right. A 1-inch object in the real world is equal to a 1-inch object projected onto the sensor. The sensor can be a foot wide, it doesn't change the fact that the lens has provided 1:1 magnification.
Feel free to actually research the topic before declaring yourself smrt and yelling in your replies:
As for your 2nd reply, you're entirely incorrect. To quote: "The image captured by this 60mm is TWICE the size of the subject being photographed." Firstly, the "image" that you get out of the camera can be any size... it has no relation to the topic. The size of the object on the sensor is exactly the size of the object in the real world when the lens is at 1:1. The fact that you think it's twice as big means that it's you who hasn't done the math.
What you're talking about relates to what the smallest object is that will fill the camera's entire frame, a duly important component of photography and entirely dependent on the crop factor - but this quality is not the lens's magnification.
- Anonymous9/21/2012 07:49:00 PM
There seems to be a lot of confusion about sensor size etc., which puzzles me. There seems to be no such confusion between 35mm and 645 - and nor was there with half-frame, APC (film), 110 and disc. On 645 you want a longer lens for your 'standard' lens (about 90mm if I remember correctly) for a similar angle of view to a 50mm on 35mm film - in other words, so that the film area contains a similar fraction of the view. Whatever lens/sensor you use, of course, the perspective is the same. The only thing that changes is how much of the subject appears on the film/sensor for a given focal length. Take an m43-sized area of a 645 film picture taken with a 50mm lens, and it will look (quality apart) identical to the full frame of an m43 sensor taken with a 50mm lens.ReplyDelete
Hoi Robin,, for macro today i tried your flash technique which you have mentioned here. great results. thanksReplyDelete
Ramesh from Chennai, India
- Anonymous9/24/2012 07:33:00 PM
Hi Robin, you mentioned "Hello Steve,ReplyDelete
Yes, all those equipment works fully with the 60mm, with a new adapter, which will also be released at the same time with the 60mm's availability." Can you elaborate a little more? What exactly did olympus reps mention about the compatibility of STF22(twin macro flash for 50/f2) with 60/f2.8? I guess the filter sizes of 50/f2 and 60/2.8 are not the same, so you basically would need a different adapter to mount the twin flash on to the 60/f2.8? Did they mention any time lines for when this adapter would be released? Thanks.
- Anonymous9/27/2012 12:44:00 AM
Hi Robin, do you have an answer for the question above on STF22 compatibility.ReplyDelete
Hey Robin, assuming I don't have neither lens and plan to buy one...which would you recommend?ReplyDelete
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A full 24% said they felt completely in the dark about the potential effects.
The survey found that 32% respondents between ages 18 and 34 had "no idea" how interest rate changes would affect a portfolio. Respondents' level of awareness increased with age except for the oldest age group. One-quarter of those 65 and older also said they had "no idea."
Men and women are about evenly matched (40% and 39%, respectively) when it came to understanding there would be some effect on portfolios, without quite understanding the specifics.
However, a division occurred among those who admitted they "do not understand at all" what those effects might be. While 29% of women admitted they did not understand the issue, only 19% of their male counterparts did.
Respondents in the $35,000 income bracket were most likely to misunderstand the effect of rising rates, with 35% of respondents surveyed identifying as such. Just 13% of those with household incomes of $100,000 or more indicated the same.
"While it's hard to know exactly where interest rates will go in the coming weeks and months, we believe over the long term that rates will continue to rise," Tom Kersting, fixed income strategist at Edward Jones, said in a statement.
The firm noted in its statement that bond prices typically move inversely to interest rates. Higher interest rates mean higher current income for an investor purchasing new bonds.
For investors who already own a significant amount of fixed income, rising rates and corresponding falling bond values may mean lower overall portfolio value. Shorter-term bonds, while offering lower income opportunities, are less affected by the drop in bond value seen in longer-term investments.
"Fixed income is still an important part of an overall investment portfolio," Kersting said, "but we want to remind investors that now is the time to consider buying shorter- and intermediate-term bonds, rather than just longer-term bonds."
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He was only half tough, thank goodness, but still even using denims he was unsure of simply how much he was extending. He ducked into a structure and quickly discovered the men's room where he delved into a stall. He pulled his pants down to see that not just had he experienced a undesirable and unanticipated erection however there was also a small dribble of sticky liquid in his fighter briefs.
He 'd of course also experienced pre-cum before however generally he needed to be remarkably switched on for his cock to begin leaking prior to he had actually even shot his load. This was simply a mild erection and currently an entire drop of pre-cum dribbled out and hung from the pointer of his dick for a couple of seconds before it leaked onto the bathroom floor. After his boner subsided he pulled his trousers back up and tackled his day.
Thursday rolled around and he might inform that he was getting even more easily aroused. At initially he stressed that the League would be distressed with him, however they had said he wasn't enabled to masturbate, have sex or get blown. He had not done any of those, he 'd simply kind of gone off in his sleep.
He viewed as the video went into slow motion and the stream of orgasm erupted from the tip of his penis.
As you've been informed, go about your day-to-day life for the next 7 days. Going 7 days without busting his load was going to be torture.
He was taken back to the days of when he had gone through adolescence and the instructor asked him to come up and do a mathematics issue on the board. After his boner subsided he pulled his trousers back up and went about his day.
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The black hole at the center of the Milky Way is a bright source of radio and X-ray light. According to theory, this light is emitted due to hot gas orbiting and falling into the black hole. However, the shape of the gas flow is dictated by the magnetic fields at the galactic center, which are difficult to measure.
Astronomers hoped fondly for the discovery of a pulsar, a rapidly rotating remnant of a dead star that generates powerful jets of radio photons. Any magnetic field near the pulsar would affect the radio emissions, allowing researchers to map the environment near the black hole.
The wish was granted earlier this year when an X-ray flare revealed the presence of a pulsar within one light-year of the Milky Way's black hole. R.P. Eatough and colleagues measured the light from the pulsar and found it was strongly rotated, a sure sign of a magnetic field. If the magnetic field they detected extends to the surface of the black hole, it would be sufficient to explain the entire spectrum of emissions from the Milky Way's center.
Astronomers have observed extraordinarily massive black holes at the center of most galaxies. Those black holes are evident through X-rays and radio waves emitted by the plasma swirling around them, but the mechanisms that drive the emissions aren't always obvious. According to theory, magnetic fields shape the motion of the matter, accelerating it in some instances and removing its energy in others, ultimately allowing it to be swallowed by the black hole.
The problem with testing this hypothesis: we can't directly see magnetic fields. While they affect the motion of electrically charged particles such as electrons, the trajectories of these particles are impossible to see at such great distances. (The Milky Way's black hole is about 27,000 light-years away from Earth.) The best hope is measuring Faraday rotation, the twisting of the polarization of light when it passes through a strong magnetic field. Light from matter near the Milky Way's center is strongly rotated, but that only provides data close to the black hole—insufficient to study the total magnetic field at the galaxy's center.
Pulsars are neutron stars, the remnants of the cores of stars more than 8 times the mass of the Sun. They send out beams of intense radio light, which appear as regular pulses of light to observers on Earth thanks to the star's rapid rotation. The timing of the pulses reveals the neutron star's rotation rate. Additionally, the light in the pulses are polarized, so if they pass through a magnetic field, they'll be Faraday rotated. By measuring the amount of rotation, researchers can map the strength and direction of the magnetic field.
(Light's polarization is the orientation of the electric and magnetic field of a photon. Most sources, including stars, produce unpolarized light: each photon's polarization is random, so the light collectively has no preferred orientation. Pulsars, on the other hand, generate strongly polarized radio waves.)
The researchers found the pulsar—named PSR J1745-2900 in the usual annoying fashion—was rotating once every 3.76 seconds. By measuring the difference in arrival times between the different frequencies of radio emissions, they determined the density of electrons (which scatter the photons depending on their energy) surrounding the pulsar. This density indicated how close the pulsar is to the galactic center: its maelstrom of hot magnetized plasma must be closer than about 33 light-years from the central black hole.
Additionally, the astronomers measured the Faraday rotation of the pulsar's light using three different radio observatories. They consistently found a rotation measure more than 10 times larger than seen elsewhere in the galaxy. That's only possible in the presence of greater-than-average magnetic fields, such as predicted near a massive black hole. These magnetic field measurements would be sufficient to explain all the emissions near the central black hole, so long as the field behaves as predicted by theory.
As PSR J1745-2900 orbits the galactic center, astronomers should be able to measure changes in its environment, providing more details about the magnetic field and plasma near the galaxy's core.
PSR J1745-2900 was first identified when it produced a strong X-ray flare. Combined with its rotation rate, that marked it as a magnetar: a pulsar with a magnetic field 1,000 times stronger than ordinary neutron stars. Magnetars are rare, so the chances of PSR J1745-2900 being the only neutron star in the region are very small. That provides hope of finding more pulsars, perhaps even closer to the black hole. With a population to study, it should be possible to map the Milky Way's magnetic field in detail, including the region near the black hole where theory predicts turbulent behavior.
Additionally, a pulsar closer in to the black hole would experience relativistic effects as its photons pass through the strong gravitational field. Such measurements would provide a detailed test of general relativity in a much stronger gravitational field than we've managed before.
Nature, 2013. DOI: 10.1038/nature12499 (About DOIs).


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Universal Analytics introduces a set of features that change the way data is collected and organized in your Analytics account, so you can get a better understanding of how users interact with your online content.
Benefits of Universal Analytics
Connect multiple devices, sessions, and engagement data with the User ID
User-ID is a Universal Analytics feature that lets you associate multiple sessions (and any activity within those sessions) with a unique ID. When you send an unique ID and related engagement data to Analytics, all activity is attributed to one user in your reports. With User-ID, you can get a more accurate user count, analyze the signed-in user experience, and get access to the new Cross Device reports. Learn more about User-ID.
Get a new and more flexible tracking code that lets you collect data from any digital device
Universal Analytics introduces three new versions of the tracking code you can implement to meet your specific technical needs. Use the gtag.js JavaScript library for websites, the Analytics SDKs (v2.x or higher) for mobile app tracking, and the Measurement Protocol for other digital devices, like game consoles and information kiosks.
All of the new collection methods are developer friendly, so you can set up and customize your tracking code more easily. Cross-domain tracking for websites, in particular, is dramatically simpler and more accurate.
Use simplified and more accessible configuration options
Universal Analytics gives you more configuration options that you can control from your account Admin page:
- Organic search sources
- Session and campaign timeout handling
- Referral exclusions
- Search term exclusions
Create custom dimensions and custom metrics to collect data that's unique to your business
Custom dimensions and custom metrics are like default dimensions and metrics, except you create them yourself. Use them to collect data that Analytics doesn't automatically track. Learn more about custom dimensions and metrics.
Implement Enhanced Ecommerce
Once you've deployed Universal Analytics, you can then tag your site with the ec.js plugin, and then use the Enhanced Ecommerce reports to analyze your users' shopping and purchasing behavior, the success of your internal and external marketing efforts, and the economic performance of your products.
Stay up to date with new features and updates
With Universal Analytics, you can use all of the standard Analytics reports and tools, but you also get access to new features.
New features and product updates are only available to Universal Analytics properties. Classic Analytics properties, or Universal Analytics properties using an older collection method like the ga.js JavaScript library, will not receive access to all future product changes.


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Bank of America (BAC) reported Wednesday that its third-quarter net income rose to $2.5 billion, a jump of more than 600% from last year's $340 million.
The bank's results benefited from increases in equity investment income, net interest income and investment and brokerage income, as well as improved credit quality and lower expenses. Still, it did face headwinds like lower mortgage-banking income and adjustments to deferred tax assets related to U.K. corporate income tax rate reductions.
"This quarter, we saw good loan growth, improved credit quality and record deposit balances. Our customers and clients continue to do more business with us," said CEO Brian Moynihan, in a statement.
Nonetheless, banking analysts pointed out that BofA's mortgage banking results fell 50% from the prior quarter, along with total servicing income. Litigation expenses were more than $1 billion in the most-recent period, up from about $470 million in Q2, according to Sterne Agee.
On the other hand, capital markets "held up better than expected at $4.3 billion," which was down roughly 14% from the prior quarter and 6% from a year ago. Fixed-income trading declined 10% from Q2 and 20% from the same period of 2012, note analysts Todd L. Hagerman and Robert Greene.
Equities trading was "a relative bright spot," they add, up 36% from the prior year's period.
Global Wealth
BofA said its Global Wealth and Investment Management unit had revenue of $4.4 billion, up 8% from last year but 2% off last quarter's results.
Asset flows were $9.7 billion, a nearly 80% year-over-year growth rate. This marks the 17th consecutive quarter of positive flows, the bank says, and the highest third-quarter level since BofA merged with Merrill Lynch.
Total GWIM client balances were $2.28 trillion, of which $1.85 trillion were held in Merrill accounts.
Merrill Lynch revenues were $3.6 billion, up close to 7% over last year but down nearly 3% from last quarter due to reduced market activity and seasonality, the bank says.
Advisor fees and commissions averaged $1.3 million for each veteran rep, and total advisor productivity was $1 million for both veteran and newer advisors.
BofA says it has a total of 15,624 advisors, down 135 from the prior quarter and 1,135 from a year ago. It also reports that is has 16,846 wealth advisor (including FAs) and 19,534 client-facing professionals across the wealth unit.
Yearly advisor productivity was $971,000 in the second quarter and $927,000 in the first.
Piper Jaffray
Piper Jaffray (PJC) said Wednesday that its third-quarter net income fell 71% on special charges and a loss from discontinued operations. Revenues improved slightly to $138.8 million.
Its Capital Markets unit included advisory services revenues of $20.2 million, up 24% and 115% compared to the third quarter of 2012 and the second quarter of 2013, respectively. Equity institutional brokerage sales were $23.0 million, a jump of 28% from last year and 7% from last quarter thanks to "improved trading performance," the bank says.
Asset Management net revenues were $18.1 million, an increase of 11% compared with the third quarter of 2012. "Increased revenues compared to the prior year quarter were driven by higher management fees from increased assets under management (AUM) due to market appreciation," the company said in a press release. AUM for the unit were $10.6 billion as of Sept. 30.
Check out Schwab Q3 Results Surprise Analysts; Citi Fails to Hit Estimates on ThinkAdvisor.


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This is Valerie Brown's first appearance on the IA 25. Click here to view the complete list and Special Report schedule for extended profiles for each of the 2013 IA 25 honorees.
It seems inevitable that Valerie Brown should end up where she has. The daughter of a financial planner, the CEO and president of Cetera Financial Group said she grew up with a love for and comfort with numbers and math. Her background in chemical engineering, which she called a "perfect fit" for the financial services industry, didn't hurt, either.
"Chemical engineering teaches their students to take what are often pretty ambiguous problems and structure them and try to identify practical solutions," Brown said of her undergraduate studies. "That's a good overview of what many of us in this industry deal with: challenging problems and helping clients figure out their retirement plan in an environment where interest rates are pretty close to zero."
In fact, that particular challenge is one of the biggest affecting advisors today. "Given that a lot of clients and retirement assets are sitting with the baby boomers, who are either entering, in or close to retirement, this low-interest-rate environment is challenging everybody," Brown said. Also hitting boomers and their retirement strategies is "a pullback in the insurance industry from giving people guaranteed income that a lot of the annuity products provided."
There is good news, Brown said. "The market's done very well. This is the fourth year running that we're having a continuation of good market returns." She noted, though, that "while clients' fee-based businesses continue to do well, the commission side of the business has not been growing as rapidly as it was pre-crisis. That tells you middle-market America, where commission-based products often fit better, is still standing on the sidelines."
Those "stresses," as Brown called them, affect not just advisors, but product manufacturers as well. "Continuing to innovate around those issues is a challenge for all of us as we go forward," Brown said.
Brown said Cetera's main focus is "continuing to help our advisors grow their practices, their relationships with their clients and serve them better every day. That's what they're focused on, and we're focused on supporting them in doing that."
Cetera recently announced it will add about 800 advisors when it acquires Tower Square and Walnut Street from MetLife, bringing its advisor count to nearly 7,000. "It's another significant step forward and [confirms] our strategy that having multiple faces of independence has a real solid place in this industry where you can have the best of both worlds," Brown said.
She said that the new advisors might have fit in just fine at one of their other broker-dealers, but were a "great fit" at Cetera Advisor Networks. "That demonstrated to me the value of having broker-dealers focused on specific segments of the industry."
Another challenge for advisors in the future is the need for the next generation of wealth management advisors. "It's time for our industry to really acknowledge that," Brown urged. "We've been talking about it, but I don't think we have been doing enough."
To that end, Brown will soon join an advisory board with fellow IA 25 alum Deena Katz of Texas Tech to find ways to make financial planning a "profession of choice" for students and help advisors bring those graduates into their practices and create a solid succession plan as they get closer to retirement. "Done well, that could be a five- to 10-year plan, and now is the time to get working on it."
Finally, advisors need to address the way they use technology to meet their clients' needs. "The industry needs to embrace the client service expectation evolution that's occurring," Brown said. Clients have access to a great deal of information online, but she predicted that in the future "clients are going to demand a more mobile experience. Learning how to more effectively interact with them with social media is extremely important."
Advisors and broker-dealers are getting more comfortable with social media and how they are expected to use it, but Brown said despite providing training and content, a lot of advisors "still haven't embraced it collectively as an industry at the level that I think we're going to need to, to continue to meet the needs of clients."


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Introduction To sercher.xyz Pop-up
sercher.xyz Pop-up is categorized as Operating System malware which is very dangerous for Operating System. A Operating System virus has the ability to make copy of it regularly and spread it with a great speed within the Operating System. It quickly uses all the available memory space and bring the Operating System to a halt. On arriving on the targeted Operating System, it starts replicating itself and distributes its single piece to every corner of the Operating System. Every time you start your Operating System , sercher.xyz Pop-up gets automatically executed. This nasty threat harms the Operating System at large scale and corrupts the important documents and files stored on the Operating System.
This virus is also capable of inviting other threats on the compromised Operating System.
Distribution Methods Of sercher.xyz Pop-up
When a virus is attached to a program, file or any document, the malware remain unresponsive until some conditions causes the Operating System to execute its code. In order to infect the Operating System, you need to run the infected program which at last causes the execution of malicious code. When you download a free software from the internet, the threat within it remain dormant and does not show any sign or symptoms. But the moment you install the free software, the malicious program also get installed along with it. This virus can also infect other Operating Systems attached to network. sercher.xyz Pop-up spreads itself in other ways also like social media scam links, spam emails and attachments, peer to peer file sharing on the network, downloading funny images, video or audio files and so on.
What Does sercher.xyz Pop-up Do On The Operating System ?
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Scan Operating System To Remove sercher.xyz Pop-up Easily
Method 1 : Block sercher.xyz Pop-up From Task Manager In Operating System
Method 2 : Deletion of sercher.xyz Pop-up From Control Panel In Operating System
Method 3 : Start Your Operating System In Safe Mode With Networking
Method 4 : Remove sercher.xyz Pop-up From Registry Entry In Operating System
Method 5 : Block sercher.xyz Pop-up From Firefox
Quick Steps To Remove sercher.xyz Pop-up From Windows XP
Method 1 : Block sercher.xyz Pop-up From Task Manager In Operating System
- Press ALT+Ctrl+Del buttons together.
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Method 2 : Deletion of sercher.xyz Pop-up From Control Panel In Operating System
Remove sercher.xyz Pop-up From Windows XP
- Click Start button and goto and click on Control Panel.
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Remove sercher.xyz Pop-up From Windows 7
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Remove sercher.xyz Pop-up From Windows 8
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Remove sercher.xyz Pop-up From Windows 10
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Method 3 : Start Your Operating System In Safe Mode With Networking
Remove In Windows XP/Vista/7
- Click Start button.
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Remove In Windows 8/10
- Click on Start button and press Shift key.
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Method 4 : Remove sercher.xyz Pop-up From Registry Entry In Operating System
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HKEY_LOCAL_MACHINEOperating SystemCurrentControlSetServicesWpm
HKEY_CURRENT_USERSoftwareMicrosoftInternet ExplorerMain Default_Page_URL
HKEY_LOCAL_Machine\Software\Classessercher.xyz Pop-up
HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Run .exe
HKCU\Software\Microsoft\Windows\CurrentVersion\Internet Settings\random
HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Internet Settings CertificateRevocation = 0
Method 5 : Block sercher.xyz Pop-up From Firefox
Deletion Of sercher.xyz Pop-up From Mozilla Firefox
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Deletion Of sercher.xyz Pop-up From Google Chrome
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Deletion Of sercher.xyz Pop-up From Internet Explorer
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Deletion Of sercher.xyz Pop-up From Microsoft Edge
- Click on (…) button to open the menu of Edge.
- Click on Settings option from the drop down menu.
- Choose and click A specific page or pages option under Open with option.
- Select Custom and then put URL you wish to set the default home page.


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You should be 18+ years old or have a consent of parents or guardians.
All perfectly! We have sent a letter to your email with instructions for completion!
Please find here your most important DOTA 2 stats.
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text:
(a) Notice and hearing requirements are governed by the provisions of article one of this chapter.
(b) The board may conduct the hearing or elect to have an administrative law judge conduct the hearing.
(c) If the hearing is conducted by an administrative law judge, the administrative law judge shall prepare a proposed written order at the conclusion of a hearing containing findings of fact and conclusions of law. The proposed order may contain proposed disciplinary actions if the board so directs. The board may accept, reject or modify the decision of the administrative law judge.
(d) Any member of the board has the authority to administer oaths, examine any person under oath and issue subpoenas and subpoenas duces tecum.
(e) If, after a hearing, the board determines the licensee or registrant has violated any provision of this article or the board's rules, a formal written decision shall be prepared which contains findings of fact, conclusions of law and a specific description of the disciplinary actions imposed.


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So many bears on one carpet, what's a bear to do?
The Hollywood Foreign Press Association has announced the first group of presenters at Sunday's Golden Globe Awards:
George Cloney, Will Ferrell, Nathan Fillion (!), Debra Messing, Jeremy Renner, Amanda Seyfried, Jason Statham, Meryl Streep, Kerry Washington, and Kristen Wiig.
Jennifer Garner and Jennifer Lopez.
JLO presents at, well, everything. And Garner's husband Ben Affleck will be there to represent Argo. It's an impossible dream but, man, if only someone would have the temerity to ask if both Jennifers-linked-to-Ben could take the stage ...together? Just for the reaction. I just want to know the reaction. And if they actually said yes, even better.
Logistically then, for show producers, does that mean their categories have to be spread apart, so as to avoid any backstage awkwardness? And does that mean that JLO can't present anything that Ben/Argo has a possibility of winning? Can you imagine him accepting an award, and a kiss and hug, from her in front of his wife ...and the world? How much do we have to pay the director to CUT TO THE AFFLECKS when JLO is up there? Will JLO Bear bring the Casper Bear? What if Casper Bear and Ben Bear run into each other in the men's room? Will Ben and Garner finally walk a proper carpet together? Or do you save that for the Academy and Hollywood & Highland?
We'll be live-blogging the show. During this part, we will be live-blogging in all caps. God I love the Globes. They are so Good For Gossip.
Here's Ben Affleck in New York this morning on Good Morning America with Tony Mendez (he plays him in Argo), pushing the film as we get closer to Oscar nomination day and the Academy voting period. Zero Dark Thirty momentum seems to have slowed as a result of some of the torture criticism, giving Argo a slight push in recent days as the less controversial option. Right now, Lincoln seems to have taken the lead, but, as my friend Teri -- a member of the Broadcast Film Critics -- said the other day, Argo may be, among the serious contenders, the one movie that satisfies across the board: the intellectuals and the masses, the industry, the media, and the money.
Ben's working hard for it. And he has Clooney helping him. It's too close to call!


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201 Greenwood
Citibank provides financial products and services to both individuals and businesses. Citibank strives to offer high quality products and services, and focuses on continuously innovating the products and services it offers so you can rest assured that the team at Citibank will provide you with the best financial advice.
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CINCINNATI -- When things are going badly for the Cubs, a gaffe like umpire Joe West taking a home run away from Alfonso Soriano - as he did in the second inning Sunday - might have triggered a domino effect.
When things are going badly for the Cubs, a gaffe like umpire Joe West taking a home run away from Alfonso Soriano - as he did in the second inning Sunday - might have triggered a domino effect. For instance, starting pitcher Carlos Zambrano, who was on base at the time, could have been so ticked off at the call that he would have imploded on the mound the next inning. Skipper Lou Piniella could have been incensed enough to dropkick West into the stands and earn a lifetime suspension. And Milwaukee could have whipped St. Louis to extend its lead over the Cubs in the National League Central. But things are going so well for the North Siders these days that having two potential runs become none didn't matter. Zambrano kept his cool and combined with Will Ohman and Bob Howry for a 6-0 victory over Cincinnati in front of a Great American Ball Park crowd of 33,061. Piniella kept his cool, too, and Derrek Lee delivered a two-run, seventh-inning homer off Matt Belisle for a 4-0 lead, a shot that prompted the Reds pitcher to say, "It was like a swift kick between the legs." Another kicker for the Cubs? St. Louis earned a come-from behind victory against the Brewers, meaning the Cubs (55-48) are just a measly half-game out of first place. Life is good for the Cubs. Soriano wasn't sore about the blown call afterward because they won. But he was disappointed that he had golfed a low pitch over the left-field fence, only to have West rule it a ground-rule double after a fan dropped the ball onto the field. Piniella argued, and the umpires huddled, but the call stood. Ryan Theriot then popped out to end the inning, and the chance to add to a 2-0 lead was lost. Replays showed the ball was clearly in the stands when the fan touched it, and Soriano should have had his team-high 19th homer of the season. "It snuck in there," Piniella said. "I felt a little bad because it's not easy to hit a home run," said Soriano, who went 2-for-5 with two stolen bases. "When you hit it and they take it (away), it's uncomfortable, but we won the game. I think they got confused. I asked them if they could look at a replay, but they don't do that in baseball. If they saw the replay, they would have changed it." Zambrano (14-7), meanwhile, became the majors' first 14-game winner and is inching closer to his career high of 16 wins. He allowed just two hits in 7 1/3 innings. After retiring pinch-hitter Norris Hopper in the eighth, Zambrano was favoring his right leg. His right foot had been hit by a hot shot in the sixth inning, but he said his right calf was cramping and it had nothing to do with the foot. Zambrano also had a blister on his right foot, but said he'd make his next scheduled start Friday, when the Cubs host the New York Mets. Zambrano, 9-2 with a 1.41 ERA in his last 11 starts, also had three hits and is hitting .291. Lee, who has three homers in his last four games after hitting just eight in the Cubs' first 99 contests, is starting to feel his power coming back - a good sign for the team, which has been up-and-down in the heavy-hitting department. The Cubs, who went 4-2 on the road trip, are to start a seven-game homestand tonight. Philadelphia and the New York Mets, second and first in the NL East, respectively, will be visiting in what could be an important week where the wild-card playoff berth is concerned. The Cubs went 2-5 on a road trip to Philadelphia and New York in May - back when things weren't going so well - and fell to 18-21. But they have claimed 23 of their last 32 games and don't want a letup now, as they have a chance to move into place for the first time this season. "We're trying to keep an even keel," Lee said. "This is what we've expected of ourselves. We're doing what we're supposed to do." More Cubs coverage can be found at www.dailysouthtown.com/sports.


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Ruler of Persia from 486 to 465 BCE; called Ahasuerus in Ezra 4: 6. His defeat by the Greeks at the naval battle of Salamis in 480 BCE is described by the Greek historian Herodotus. There are problems about the biblical chronology, since the complaint against the returning Jews (Ezra 4: 6) must have been made just before 445 BCE. However, the problems may be easily solved by detaching 4: 6 from 4: 7, which belongs in the reign of a different ruler.
Ahasuerus (Xerxes I) is the Persian ruler in the book of Esther, but this book is more in the nature of legend than history. In Dan. 9: 1 Ahasuerus is said to be the father of Darius the Mede, though in fact he was the son of Darius the Great.