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Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School Paperback – Nov 1 2011
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Product Description
"...if you are looking for the first, and possibly only, book to read if you want to figure out how to finance the rest of your life, you can read Andrew Hallam's "The Millionaire Teacher."" -- Scott Burns
"'Millionaire Teacher' is a an inspiring must-read." -- Canadian Business
"It's that kind of experience and wisdom that makes 'Millionaire Teacher' such an outstanding book. It's easy to find excellent books about investing, but it's rare to read an author who so clearly understands how people think and act in their financial lives." -- canadiancouchpotato.com
"The book itself focuses on nine rules of wealth that people should have learned in school... These rules nicely distill what has been said in many of the better personal finance books out there: particularly those that cover indexing and the futility of high-cost actively managed investment approaches." -- Financial Post
"I would recommend Hallam's book as a great investment guide for the investor that wants to be more engaged with their portfolio." -- Jim Yih, retirehappyblog.ca
"Written simply, the book is suitable even for those who have little knowledge of finances." -- Personal Money"If you want to make sure that your money is invested wisely, then this is the book for you." -- turnonepoundintoamillion.com
"...quirky, upbeat and above all interesting...a book for anyone." -- blog.iii.co.uk
"This book is engaging and easy to read." -- retireby40.org
From the Inside Flap
As a high school teacher Andrew Hallam is aware of what kind of personal finance education you probably received in school. While you were memorizing the names of dead presidents, battling with trigonometry and laboring over a periodic table of elements, you were probably getting short-changed on the basics of money.
So he wants to make it up to you: with Millionaire Teacher-Nine Rules of Wealth You Should Have Learned in School.
This isn't a get-rich quick scheme. It is, however, the same time-tested, evidence-based plan that allowed Mr. Hallam to become a millionaire on a teacher's salary.
Journey with him to explore what most wealthy people already know: if you spend your money responsibly, you can eventually grow rich.
Let him guide you to evidence-based investment strategies of index funds, and laugh when you learn how to whip the pants off most finance professionals, while spending just an hour and a half each year on your investments.
Best of all, learn to defend yourself against the self-serving army of financial planners that aim to pad their own bank accounts, at your expense.
The nine rules of wealth weren't part of your school curriculum. But it's not too late to learn them. Take this final class with an entertaining teacher who has already walked to walk. You deserve it.See all Product Description
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Top Customer Reviews
Andrew does an excellent job of making complicated concepts easy to understand. He does this by simplifying and demystifying the investment process in an entertaining and enjoyable way. Buying/Reading "Millionaire Teacher" is an excellent investment to make!
Millionaire Teacher doesn't preach nor beg you to change your ways. It simply lays out Rules 1 - 9 so you can make that decision yourself, if you want to be wealthy or not.
The theme that runs through Millionaire Teacher is that most adults lack basic "financial literacy". It's not our fault, our educational system and our financial system are inherently flawed and working against us. That doesn't mean you or I should play victim to that environment, rather, take charge, learn and get control over your financial life. Nobody cares more about your money that you do, except maybe Andrew Hallam.
Using Millionaire Teacher as your guide, you can avoid many financial pitfalls and dark caverns, if you want to. High-cost mutual funds, massive credit card debt, sky-high mortgage costs, an underperforming portfolio and chasing story stocks are just some examples.
Millionaire Teacher is your guide to understanding the wealthy. The wealthy don't drive the best cars nor covet material goods. Rather, they follow a basic recipe of living within your means, saving, and investing wisely for tomorrow. I have read few books that distill the path to wealth creation as simple, straight-forward and as witty as Andrew Hallam has.
I encourage everyone to get their copy of Millionaire Teacher like I did, so you can avoid being schooled by the financial industry and others who want your money. My advice, keep that money for yourself, and get Andrew Hallam's book to show you how. What are you waiting for, buy this book!
Andrew Hallam has the amazing ability to not only discuss about how he became a millionaire at a young age, but provides a thorough account of his experiences in investing in low-cost index funds and owning individual stocks.
In my view, Hallam offers the investor a fool-proof way (and easy to understand) to beat the markets by investing low-cost index funds and applying a straight-forward rebalancing approach. This is not a novel - Hallam has crunched the numbers to back his findings, and the investor will find this book to be more than just useful. In fact, it may very well change the way you invest.
After reading material from great investment legends like Warren Buffet and being featured in prominent personal finance publications such as MoneySense and Globe Investor, Hallam's book has secured a firm place in my personal finance library. A 5-star rating all the way to the bank!
Most recent customer reviews
For a newbie (very new) entering the investment world this book gave me great insight into it. I visited a financial advisor last week and I am so glad I did not hand money over! Read morePublished 12 days ago by carey gilmore
It really seemed like an honest strategy to investing vs the much more common get-rich-quick schemes. I'll be putting its suggestions into practice!Published 17 days ago by Too Tall
I have purchased at least 20 of these as gifts for friends and family. Very well-written. This is the book that got me into managing my own money 5 years ago.Published 1 month ago by KM
Everyone should read this! Buy or borrow a copy today, and then grab one for all your friends. Do it.Published 1 month ago by Jocelyn Koshinsky
Great book explaining some basics of index funds investments. If you wish to lower management fees on your investments by getting into index exchange-traded funds (ETF), this is a... Read morePublished 2 months ago by JFT
For folks who want don't know the basics and want to invest in understanding some fundamentals to help manage their money and plan for the future, this is the perfect book. Read morePublished 2 months ago by Erbsock
This book is great and very well writen. I wish I had read that book years ago. I am going to apply what I have learned right away.Published 3 months ago by Dominique Vallee
Very enjoyable reading for a financial book. Advice makes sense, is clearly supported, and it should be easy to follow through on.Published 3 months ago by nica


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A 16-month-old Australian toddler underwent a "miracle" surgery to reattach his head to his neck after he was internally decapitated in a car wreck.
October is here, and that means it's finally safe to indulge in all things pumpkin flavored (and scented). But if you want to make sure you'll be digging into a homemade pumpkin pie come Thanksgiving, experts say you...
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CHICAGO — The mass shooting at an Oregon community college last week thrust the debate over the nation's gun laws to the center of the presidential race. At least some of the Republicans who are running have pointed to Chicago as...
WASHINGTON (AP) " The Senate is poised to vote Wednesday on a $612 billion defense policy bill that President Barack Obama says he'll veto over a larger dispute about government spending.
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Trolling comments on presidential candidates' Facebook pages in search of grammatical errors is a task that will get Strunk and White devotees' eyes rolling. At least the search for typos, misplaced or missing...
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Was the macaroni and cheese worth it?
DAMASCUS, Syria — Russian warships in the Caspian Sea fired cruise missiles Wednesday as Syrian government troops launched a ground offensive in central Syria in the first major combined air-and-ground assault since Moscow began...
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originally posted by: ColeYounger
STFU and get a hobby, you sniveling toadie.
originally posted by: boymonkey74
So have any of you atheists or non religious been persecuted from the religious?.
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Publications (136)234.76 Total impact
Article: Molecular and Biological characterisation of Potato mop-top virus (PMTV, Pomovirus ) isolates from the potato growing regions in Colombia[Show abstract] [Hide abstract]
ABSTRACT: Potato mop-top virus (PMTV) causes necrotic flecks inside and on tubers in temperate countries. In South America, these symptoms have not been observed, although the presence of the virus has been confirmed in the Andes and in Central America. To characterize PMTV isolates from the Andes, soil samples were taken from the main potato-producing regions in Colombia and virus was recovered by planting Nicotiana benthamiana as bait plants. The complete genomes of five isolates were sequenced and three of the isolates were inoculated to four different indicator plants. Based on sequence comparisons, three types of RNA-CP (RNA2) and RNA-TGB (RNA3) were found. The isolates from the centre of the country (CO3 and CO4) were similar to isolates from Europe. The genomes of CO1, CO2 and CO5 differ from other PMTV isolates, placing them in a separate clade in phylogenetic trees. The three Colombian isolates (CO1, CO2 and CO5) only induced slightly different symptoms in the indicator plants. However, the isolate from the northwest of the country (CO1) induced stronger symptoms in N. benthamiana including severe stunting. A correlation between the genotype of the isolates and the symptoms they induced on indicator plants was not found.
Article: Rapid, specific, simple, in-field detection of Xanthomonas campestris pathovar musacearum by loop-mediated isothermal amplification (LAMP)[Show abstract] [Hide abstract]
ABSTRACT: Aims: To develop and evaluate a loop mediated isothermal amplification (LAMP) assay for Xanthomonas campestris pathovar musacearum (Xcm), the causal agent of banana Xanthomonas wilt, a major disease of banana in Africa. Methods and results: LAMP primers were designed to the general secretion pathway protein D gene and tested against 17 isolates of Xcm encompassing the known genetic and geographic diversity of the bacterium and all isolates were detected. Seventeen other Xanthomonas isolates, including closely related X. vasicola, seven other bacterial pathogens/endophytes of Musa isolates and two healthy Musa varieties gave negative results with the LAMP assay. The assay showed good sensitivity, detecting as little as 51 fg of Xcm DNA, a greater level of sensitivity than that of an Xcm PCR assay. Amplification with the LAMP assay was very rapid, typically within 9 minutes from bacterial cultures. Symptomatic field samples of Musa from Uganda were tested and all produced amplification in less than 13 minutes. Conclusions: The LAMP assay provides rapid, sensitive detection of the pathogen that is ideally suited for deployment in laboratories with basic facilities and in-field situations. Significance and impact of the study: This is the first LAMP assay for Xcm which provides a significant improvement compared to existing diagnostics. This article is protected by copyright. All rights reserved.
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ABSTRACT: Diagnostic microarrays are a useful tool for the simultaneous detection of multiple targets. In this chapter we describe the use of a simple tube-based microarray platform for the detection of plant infecting viruses and viroids.
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ABSTRACT: Chalara fraxinea is the causal agent of ash dieback, a disease affecting Fraxinus excelsior and F. angustifolia across Europe. Loop-mediated isothermal amplification (LAMP) is a rapid, DNA-based method which can be used for specific detection of plant pathogens in infected material. The combination of a rapid LAMP assay for C. fraxinea with a simple sample preparation method in a user-friendly kit format raises the potential for testing to be carried out away from conventional laboratory facilities, to expedite measure to manage this damaging disease.
Article: A pathogenicity determinant maps to the N-terminal coat protein region of the Pepino mosaic virus genome[Show abstract] [Hide abstract]
ABSTRACT: Pepino mosaic virus (PepMV) poses a worldwide threat to the tomato industry. Considerable differences at the genetic level allow for the distinction of four main genotypic clusters; however, the basis of the phenotypic outcome is difficult to elucidate. This work reports the generation of wild-type PepMV infectious clones of both EU (mild) and CH2 (aggressive) genotypes, from which chimeric infectious clones were created. Phenotypic analysis in three solanaceous hosts, Nicotiana benthamiana, Datura stramonium and Solanum lycopersicum, indicated that a PepMV pathogenicity determinant mapped to the 3′-terminal region of the genome. Increased aggression was only observed in N. benthamiana, showing that this factor is host specific. The determinant was localized to amino acids 11–26 of the N-terminal coat protein (CP) region; this is the first report of this region functioning as a virulence factor in PepMV.
Article: Evidence for different, host-dependent functioning of Rx against both wild-type and recombinant Pepino mosaic virus: Rx -mediated resistance against PepMV[Show abstract] [Hide abstract]
ABSTRACT: The potato Rx gene provides resistance against Pepino mosaic virus (PepMV) in tomato; however, recent work has suggested that the resistance conferred may not be durable. Resistance breaking can probably be attributed to multiple mutations observed to accumulate in the capsid protein (CP) region of resistance-breaking isolates, but this has not been confirmed through directed manipulation of an infectious PepMV clone. The present work describes the introduction of two specific mutations, A-T78 and A-T114, into the coat protein minimal elicitor region of an Rx-controlled PepMV isolate of the EU genotype. Enzyme-linked immunosorbent assay (ELISA) and phenotypic evaluation were conducted in three Rx-expressing and wild-type solanaceous hosts: Nicotiana benthamiana, Nicotiana tabacum and Solanum lycopersicum. Mutation A-T78 alone was sufficient to confer Rx-breaking activity in N. benthamiana and S. lycopersicum, whereas mutation A-T114 was found to be associated, in most cases, with a secondary A-D100 mutation to break Rx-mediated resistance in S. lycopersicum. These results suggest that the need for a second, fitness-restoring mutation may be dependent on the PepMV mutant under consideration. Both mutations conferred Rx breaking in S. lycopersicum, whereas neither conferred Rx breaking in N. tabacum and only A-T78 allowed Rx breaking in N. benthamiana, suggesting that Rx may function in a different manner depending on the genetic background in which it is present.
Conference Paper: COST Action FA1407: Empowering NGS technologies for the study and diagnostic of plant viruses[Show abstract] [Hide abstract]
ABSTRACT: The ability to provide a fast, inexpensive and reliable diagnostic for any given viral infection is a key parameter in efforts to fight and control these ubiquitous pathogens. The recent developments of high-throughput sequencing (also called Next Generation Sequencing - NGS) technologies and bioinformatics have drastically changed the research on viral pathogens. It is now raising a growing interest for virus diagnostics. This review provides a snapshot vision on the current use and impact of high throughput sequencing approaches in plant virus characterization. More specifically, this presentation highlights the potential of these new technologies and their interplay with current protocols in the future of molecular diagnostic of plant viruses. The current limitations that will need to be addressed for a wider adoption of high-throughput sequencing in plant virus diagnostics are thoroughly discussed. This paradigm change gave rise to the COST Action 1407 which is currently launched. This Action, its objectives and expected impacts will be presented.
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ABSTRACT: Internal necrosis of carrot has been observed in UK carrots for at least 10 years, and has been anecdotally linked to virus infection. In the 2009 growing season some growers had up to 10% of yield with these symptoms. Traditional diagnostic methods are targeted towards specific pathogens. By using a metagenomic approach with high throughput sequencing technology, other, as yet unidentified causes of root necrosis were investigated. Additionally a statistical analysis has shown which viruses are most closely associated with disease symptoms. Carrot samples were collected from a crop exhibiting root necrosis (102 Affected: 99 Unaffected) and tested for the presence of the established carrot viruses: Carrot red leaf virus (CtRLV), Carrot mottle virus (CMoV), Carrot red leaf associated viral RNA (CtRLVaRNA) and Parsnip yellow fleck virus (PYFV). The presence of these viruses was not associated with symptomatic carrot roots either as single viruses or in combinations. A sub-sample of carrots of mixed symptom status was subjected to MiSeq sequencing. The results from these tests suggested Carrot yellow leaf virus (CYLV) was associated with symptomatic roots. Additionally a novel Torradovirus, a novel Closterovirus and two novel Betaflexiviradae related plant viruses were detected. A specific diagnostic test was designed for CYLV. Of the 102 affected carrots, 98% were positive for CYLV compared to 22% of the unaffected carrots. From these data we conclude that although we have yet to practically demonstrate a causal link, CYLV appears to be strongly associated with the presence of necrosis of carrots.
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ABSTRACT: The 9573-nucleotide genome of a potyvirus was sequenced from a Coriandrum sativum plant from India with viral symptoms. On analysis, this virus was shown to have greater than 85 % nucleotide sequence identity to vanilla distortion mosaic virus (VDMV). Analysis of the putative coat protein sequence confirmed that this virus was in fact VDMV, with greater than 91 % amino acid sequence identity. The genome appears to encode a 3083-amino-acid polyprotein potentially cleaved into the 10 mature proteins expected in potyviruses. Phylogenetic analysis confirmed that VDMV is a distinct but ungrouped member of the genus Potyvirus.
Article: Development of a lateral flow device for in-field detection and evaluation of PCR based diagnostic methods for Xanthomonas campestris pathovar musacearum, the causal agent of banana Xanthomonas wilt[Show abstract] [Hide abstract]
ABSTRACT: Xanthomonas campestris pathovar musacearum (Xcm) is the causal agent of banana Xanthomonas wilt, a major threat to banana production in eastern and central Africa. The pathogen is present in very high levels within infected plants and can be transmitted by a broad range of mechanisms; therefore early specific detection is vital for effective disease management. In this study we have developed a polyclonal antibody (pAb) and deployed this in a lateral flow device (LFD) format to allow rapid in-field detection of Xcm. We also independently assessed published Xcm PCR assays: only two assays gave specific amplification of Xcm, whilst others cross-reacted with non-target Xanthomonas species. Pure cultures of Xcm were used to immunise a rabbit, the IgG antibodies purified from the serum and the resulting polyclonal antibodies tested using ELISA and LFD. Testing against a wide range of bacterial species showed the pAb detected all strains of Xcm, representing isolates from seven countries and the known genetic diversity of Xcm. The pAb also detected the closely related Xanthomonas axonopodis pathovar vasculorum (Xav), primarily a sugarcane pathogen. Detection was successful in both naturally and experimentally infected banana plants, and the LFD limit of detection was 105 cells/ml. Whilst the pAb is not fully specific for Xcm, Xav has never been found in banana. Therefore the LFD can be used as a first line screening tool to detect Xcm in the field. Testing by LFD requires no equipment, can be performed by non-scientists and is cost-effective. Therefore this LFD provides a vital tool to aid in the management and control of Xcm.This article is protected by copyright. All rights reserved.
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ABSTRACT: Maize lethal necrosis (MLN) is a disease of maize caused by the combination of Maize chlorotic mottle virus (MCMV) and a potyvirus (Uyemote et al., 1981). MLN caused by MCMV and the potyvirus Sugarcane mosaic virus (SCMV) was identified in Kenya in 2012 (Adams et al., 2013) and associated with significant damage. Subsequent to the outbreak in Kenya, MLN symptoms have been associated with MCMV and SCMV in Tanzania and Uganda and, based on our initial findings, MCMV but not SCMV in Rwanda (ASARECA, 2013). The control of MLN is a priority for the East Africa region. We report here a fuller investigation of the causal agents of MLN from Rwanda. In March and June 2013 samples of maize showing signs of MLN symptoms were received from the Northern Province of Rwanda for MCMV and SCMV testing. The samples were tested by real-time PCR as described in Adams et al. (2013). By this method all samples tested positive for MCMV and negative for SCMV. In order to determine if MCMV was responsible for the symptoms, or if another potyvirus was present, deep sequencing of total RNA extracted from four of the maize samples was performed. Indexed ScriptSeq libraries (Epibio, UK) were produced and sequenced on a MiSeq sequencer (Illumina, UK) using 500 cycle V2 reagents. The resulting 10 million 250 bp paired-end reads were split by index, quality filtered to a score of above Q20 and assembled using Trinity (Grabherr et al., 2011). Contigs over 200 bp were then compared to the GenBank nr database using BLASTX and the resulting data analysed using MEGAN as previously reported to generate draft genomes (Adams et al., 2013). Complete genomes of MCMV were recovered from all four maize samples from Rwanda (GenBank Accession Nos. KF744393-KF744396) and shown to have a very close relatedness with MCMV from Kenya and China (99% homology), and with some separation from MCMV from the United States (97-96% homology) (Fig. 1). Complete SCMV genomes were found in three of the four samples (KF744390- KF744392). Fig. 2 shows the relationship between these and previous isolates. The SCMV isolated from Rwandan samples is distinct from that isolated in Kenya (87% identity) and most closely related (95% identity) to strain SCMV-DMB (BA00797). A closer examination of the sequence at the primer binding regions of the respective SCMV genomes shows a high degree of divergence and explain the negative results following real-time PCR testing using the assay designed to the SCMV sequence from Kenya (Adams et al., 2013). These data would support a shared origin for MCMV in Rwanda and Kenya, but different sources for SCMV. This is not unexpected as SCMV has been observed for many years in East Africa (Louie, 1980), whereas MCMV is believed to be new to the region (Adams et al., 2013). MCMV would now appear to be spreading across the East Africa region, potentially in seed, and causative of MLN where populations of SCMV are already endemic. These findings have implications for the spread of MLN throughout Africa and for the testing for MCMV and SCMV. Control of the disease may prove more effective by initiating quarantine measures to counter the movement of MCMV, rather than attempting to control the endemic SCMV. This report confirms that MLN, caused by MCMV and SCMV, is now present in Rwanda and that this is most probably due to the recent introduction of MCMV.
Article: LAMP assay and rapid sample preparation method for on-site detection of Flavescence dorée phytoplasma in grapevine[Show abstract] [Hide abstract]
ABSTRACT: In Europe the most devastating phytoplasma associated with grapevine yellows (GY) diseases is a quarantine pest flavescence dorée (FDp) from the 16SrV taxonomic group. The on-site detection of FDp with an affordable device would contribute to faster and more efficient decisions on the control measures for FDp. Therefore, a real-time isothermal LAMP assay for detection of FDp was validated according to the EPPO standards and MIQE guidelines. The FD LAMP assay was shown to be specific and extremely sensitive, since it detected FDp in all leaf samples that were determined to be FDp infected using quantitative real-time PCR. The whole procedure of sample preparation and testing was designed and optimised for on-site detection and can be completed in one hour. The homogenisation procedure of the grapevine samples (leaf vein, flower or berry) was optimised to allow direct testing of the crude homogenates with the LAMP assay, without the need for a DNA extraction, and was shown to be extremely sensitive.This article is protected by copyright. All rights reserved.
Article: The Development of Monoclonal Antibodies to the secA Protein of Cape St. Paul Wilt Disease Phytoplasma and Their Evaluation as a Diagnostic Tool[Show abstract] [Hide abstract]
ABSTRACT: Partial recombinant secA proteins were produced from six different phytoplasma isolates representing five 16Sr groups and the expressed, purified recombinant (partial secA) protein from Cape St. Paul wilt disease phytoplasma (CSPWD, 16SrXXII) was used to immunise mice. Monoclonal antibodies (mAbs) were selected by screening hybridoma supernatants for binding to the recombinant proteins. To characterise the binding to proteins from different phytoplasmas, the antibodies were screened by ELISA and western blotting, and epitope mapping was undertaken. Eight different mAbs with varying degrees of specificity against recombinant proteins from different phytoplasma groups were selected. Western blotting revealed that the mAbs bind to proteins in infected plant material, two of which were specific for phytoplasmas. ELISA testing of infected material, however, gave negative results suggesting that either secA was not expressed at sufficiently high levels, or conformational changes of the reagents adversely affected detection. This work has shown that the phytoplasma secA gene is not a suitable antibody target for routine detection, but has illustrated proof of principle for the methodology.
Article: Influence of the length of target DNA overhang proximal to the array surface on discrimination of single-base mismatches on a 25-mer oligonucleotide array[Show abstract] [Hide abstract]
ABSTRACT: The performance of probes on an oligonucleotide microarray can be characterised in terms of hybridisation signal strength and the ability to discriminate sequence mismatches between the probe and the hybridising target strand, such as those resulting from SNPs. Various properties of the probe affect mismatch discrimination, such as probe length and the position of mismatched bases, and the effects of these factors have been well characterised in a variety of array formats. A low-density microarray was developed to systematically investigate the effect of a probe's position within hybridised target PCR products on the tolerance and discrimination of single-nucleotide mismatches between the probe and target. In line with previous reports, hybridisation signals were attenuated by different degrees depending on the identity of the mismatch, the position of the mismatch within the probe, and the length of the PCR product. However, the same mismatch caused different degrees of attenuation depending on the position of the probe within the hybridising product, such that improved mismatch discrimination was observed for PCR products where a greater proportion of the total length was proximal to the array surface. These results suggest that the degree of mismatch discrimination can be influenced by the choice of PCR primers, providing a means by which array performance could be fine-tuned in addition to manipulation of the properties of the probes themselves.
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ABSTRACT: Despite the seemingly continuous development of newer and ever more elaborate methods for detecting and identifying viruses, very few of these new methods get adopted for routine use in testing laboratories, often despite the many and varied claimed advantages they possess. To understand why the rate of uptake of new technologies is so low, requires a strong understanding of what makes a good routine diagnostic tool to begin. This can be done by looking at the two most successfully established plant virus detection methods: enzyme-linked immunosorbant assay (ELISA) and more recently introduced real-time polymerase chain reaction (PCR). By examining the characteristics of this pair of technologies, it becomes clear that they share many benefits, such as an industry standard format and high levels of repeatability and reproducibility. These combine to make methods that are accessible to testing labs, which are easy to establish and robust in their use, even with new and inexperienced users. Hence, to ensure the establishment of new techniques it is necessary to not only provide benefits not found with ELISA or real-time PCR, but also to provide a platform that is easy to establish and use. In plant virus diagnostics, recent developments can be clustered into three core areas: 1. techniques that can be performed in the field or resource poor locations (e.g., loop-mediated isothermal amplification LAMP); 2. multiplex methods that are able to detect many viruses in a single test (e.g., Luminex bead arrays); and 3. methods suited to virus discovery (e.g., next generation sequencing, NGS). Field based methods are not new, with Lateral Flow Devices (LFDs) for the detection being available for a number of years now. However the widespread uptake of this technology remains poor. LAMP does offer significant advantages over LFDs, in terms of sensitivity and generic application, but still faces challenges in terms of establishment. It is likely that the main barrier to the uptake of field-based technologies is behavioral influences, rather than specific concerns about the performance of the technologies themselves. To overcome this, a new relationship will need to develop between centralized testing laboratories offering services and those requiring tests; a relationship which is currently in its infancy. Looking further into the future, virus discovery and multiplex methods seem to converge as NGS becomes ever cheaper, easier to perform and can provide high levels of multiplexing without the use of virus specific reagents. So ultimately the key challenge from a routine testing lab perspective will not be one of investment in platforms-which could even be outsourced to commercial sequencing services-but one of having the skills and expertise to analyse the large datasets generated and their subsequent interpretation. In conclusion, only time will tell which of the next-generation of methods currently in development will become the routine diagnostics of the future. This will be determined through a combination of factors. And while the technology itself will have to offer performance advantages over existing methods in order to supplant them, it is likely to be human factors e.g., the behaviors of end users, laboratories and policy makers, the availability of appropriate expertise, that ultimately determine which ones become established. Hence factors cannot be ignored and early engagement with diagnostic stakeholders is essential.
Article: The complete genome sequences of two isolates of potato black ringspot virus and their relationship to other isolates and nepoviruses[Show abstract] [Hide abstract]
ABSTRACT: The complete nucleotide sequences of RNA 1 and RNA 2 of the nepovirus potato black ringspot virus (PBRSV) from two different isolates were determined, as well as partial sequences from two additional isolates. RNA1 is 7,579-7,598 nucleotides long and contains one single open reading frame (ORF), which is translated into a large polyprotein with 2,325 amino acids and a molecular weight of 257 kDa. The complete sequence of RNA2 ranges from 3857 to 3918 nt between the different isolates. It encodes a polyprotein of 1079-1082 amino acids with a molecular weight of 120 kDa. Sequence comparison using the Pro-Pol region and CP showed that all four isolates formed two distinct groups, corresponding to potato and arracacha, that were closely related to each other and also to tobacco ringspot virus (TRSV). Comparing our data to those obtained with other nepoviruses, our results confirm that PBRSV belongs to a distinct species and is a member of subgroup A in the genus Nepovirus based on its RNA2 size, genome organization, and nucleotide sequence.
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ABSTRACT: This study reports the first complete genome sequence of Piper yellow mottle virus (PYMoV, KC808712) identified in black pepper. The genome is 7,622 nucleotides long, possessing four open reading frames (ORFs). ORF1, ORF2 and ORF4 of PYMoV are reported as hypothetical proteins of unknown function with a predicted molecular mass of 15.7, 17.1 and 17.9 kDa, respectively. ORF3 of PYMoV encodes a polyprotein of 218.6 kDa and consists of a viral movement protein (MP), trimeric dUTPase, zinc finger, retropepsin, RT-LTR, and RNAse H. Detailed PYMoV genome analysis confirmed that it is a member of the family Caulimoviridae, genus Badnavirus. Fragments of two additional novel sequences resembling those found in members of the family Caulimoviridae were also identified in the black pepper sample, and the viruses from which they were derived were tentatively named Piper DNA virus 1 and 2.
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ABSTRACT: The availability of characterised reference isolates of plant pathogens is of crucial importance for research and diagnostic laboratories. The Q-bank Plant Viruses and Viroids database contains data and information on plant viruses and viroids, with the unique feature that it is linked to specimens present in publicly available physical collections. The Q-bank database aims to share data and information on the virus and viroid species and their availability between research and diagnostic laboratories. Currently the database focuses on regulated virus species. In future more plant viruses and viroids will be included to provide a comprehensive data and information system. The curators invite virologists worldwide to participate in this international initiative by making their data and isolates available via Q-bank (http://www.q-bank.eu).
Article: A loop-mediated isothermal amplification-based method for confirmation of Guignardia citricarpa in citrus black spot lesions[Show abstract] [Hide abstract]
ABSTRACT: Guignardia citricarpa Kiely (anamorph Phyllosticta citricarpa Van der Aa), the causal agent of citrus black spot disease, is subject to phytosanitary restrictions in the EU and USA, such that consignments of citrus are rejected at import if citrus black spot is identified on inspection. Due to the variability of black spot symptoms, positive identification solely on the basis of visual inspection is difficult, especially when lesions lack pycnidia (fruiting bodies of the anamorph Phyllosticta citricarpa). As an aid to visual inspection of symptoms, we have developed a method for detection of G. citricarpa using loop-mediated isothermal amplification (LAMP) which can be used to confirm the presence of G. citricarpa in black spot lesions, including those lacking pycnidia. The LAMP assay can be used to test crude extracts prepared directly from lesions on fruit, and the entire test can be completed in less than 40 min, making it faster than previously described PCR-based methods for detection of G. citricarpa. The method is sufficiently simple to allow deployment of the test in the field, for example in the course of import inspections. Recent years have seen the description of a number of newly recognised species in the genus Phyllosticta that are associated with citrus. As new species emerge, and the taxonomy of the genus is resolved, it will be important to periodically re-evaluate the performance of DNA-based methods for detection of G. citricarpa, including the LAMP assay described here, such that the accuracy of diagnosis can be assured.
Article: A new quantitative real-time PCR assay for Rhizoctonia solani AG3-PT and the detection of AGs of Rhizoctonia solani associated with potato in soil and tuber samples in Great Britain. European Journal of Plant Pathology, 136, 273-280[Show abstract] [Hide abstract]
ABSTRACT: Rhizoctonia solani is an important pathogen of potatoes causing stem canker and black scurf. The fungus is a species complex comprised of 13 known anastomosis groups (AGs). AG3-PT is the anastomosis group frequently associated with disease in potatoes. A real-time PCR assay was designed to the rDNA ITS region of AG3-PT isolates to enable the pathogen to be detected directly in tuber and soil samples. The resulting assay was highly specific for AG3-PT, and did not amplify DNA from isolates from other AGs or subgroups of AG3. Using a bulk DNA extraction method capable of extracting from up to 250 g of soil, the assay could detect one individual sclerotium of AG3-PT (weighing 200 μg) in 250 g of soil. The AG3-PT assay was used, with assays for AG2-1, AG5 and AG8 to determine the prevalence of those AGs in UK potato soils and tubers. AG2-1 and AG3-PT were the predominant groups in tubers and soils, although AG3-PT was more frequently isolated from tubers, highlighting its importance as a potato pathogen. AG3-PT was also detected in more than half of the tuber samples tested suggesting the importance of seed borne inoculum.
Top Journals
Food and Environment Research AgencyYork, England, United Kingdom
Instituto de Investigación y Formación Agraria y PesqueraHispalis, Andalusia, Spain
Scottish Crop Research InstituteAberdeen, Scotland, United Kingdom
University of BirminghamBirmingham, England, United Kingdom


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Magnusson KR. 1994. Changes in the localization of taurine-like immunoreactivity during development and regeneration in the rat brain.. Advances in experimental medicine and biology. 359:235-43. Abstract
Tolson KP, Chappell PE. 2012. The Changes They are A-Timed: Metabolism, Endogenous Clocks, and the Timing of Puberty.. Frontiers in endocrinology. 3:45. Abstract
Dubey JP, Mattson DE, Speer CA, Hamir AN, Lindsay DS, Rosenthal BM, Kwok OC, Baker RJ, Mulrooney DM, Tornquist SJ et al.. 2001. Characteristics of a recent isolate of Sarcocystis neurona (SN7) from a horse and loss of pathogenicity of isolates SN6 and SN7 by passages in cell culture.. Veterinary parasitology. 95(2-4):155-66. Abstract
Limia A, Sangari FJ, Wagner D, Bermudez LE. 2001. Characterization and expression of secA in Mycobacterium avium.. FEMS microbiology letters. 197(2):151-7. Abstract
Jin L, Löhr CV, Vanarsdall AL, Baker RJ, Moerdyk-Schauwecker M, Levine C, Gerlach RF, Cohen SA, Alvarado DE, Rohrmann GF. 2008. Characterization of a novel alphaherpesvirus associated with fatal infections of domestic rabbits.. Virology. 378(1):13-20. Abstract
Kuhlenschmidt MS, Rolsma MD, Kuhlenschmidt TB, Gelberg HB. 1997. Characterization of a porcine enterocyte receptor for group A rotavirus.. Advances in experimental medicine and biology. 412:135-43. Abstract
Dubey JP, Mattson E, Speer CA, Baker RJ, Mulrooney DM, Tornquist SJ, Hamir A, TC. G. 1999. Characterization of a Sarcocystis neurona isolate (SN6) from a naturally infected horse from Oregon. . J Euk Microbiol . 46:500-506.
Heidel JR, Taylor SM, Silflow RM, Laegreid WW, Leid RW. 1991. Characterization of arachidonic acid metabolism, superoxide production, and bacterial killing by bovine alveolar neutrophils elicited with leukotriene B4 and zymosan-activated plasma.. Inflammation. 15(1):31-42. Abstract
Heidel JR, Taylor SM, Laegreid WW, Silflow RM, Liggitt HD, Leid RW. 1989. Characterization of arachidonic acid metabolism, superoxide production, and bacterial killing in bovine circulating neutrophils and elicited alveolar neutrophils.. Journal of leukocyte biology. 46(1):41-50. Abstract
Carter G, Wu M, Drummond DC, Bermudez LE. 2003. Characterization of biofilm formation by clinical isolates of Mycobacterium avium.. Journal of medical microbiology. 52(Pt 9):747-52. Abstract


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Heritage Sunday
Every year, Presbyterians celebrate Heritage Sunday, a day to reflect upon and learn more about the long and rich history of the Presbyterian church in America.
Heritage Sunday always falls on the Sunday closest to May 21, the opening date of the first General Assembly of the Presbyterian Church in the United States of America in 1789. Use the resources below to plan a celebration for your congregation or learn more about Presbyterian history.
Faith in God: Abraham Lincoln's Funeral Sermon
150 years ago, on April 19, 1865, Reverend Phineas Densmore Gurley (1816-1868), Chaplain of the United States Senate and first pastor of the prestigious New York Avenue Presbyterian Church in Washington, D.C., delivered the funeral sermon for President Abraham Lincoln in the East Room of the White House. Many orations marked the occasion of Lincoln's death on April 14, 1865, but Gurley's "Faith in God" is among the most famous. The original manuscript sermon, handwritten by Gurley, is preserved at the Presbyterian Historical Society. Read more and download the bulletin insert.
2014: Christian Education for the Now Generation
2012: The Presbyterian Historical Society at 160
2011: Dr. Adelaide Woodard, Missionary to India
2010: Stephen and Mary Riggs and the Lac qui Parle Mission
2009: Chinese Immigrants to California
2006: The Spirit of Missionary Enterprise
2004: The Beginnings of "One Great Hour of Sharing"
2003: Agricultural Ministry Work in India
2002: Our Mission Heritage in Korea


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Camp Oochigeas
|Camp Oochigeas
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Toronto, ON M5T 2S6
|Camp Oochigeas is a privately funded, volunteer based organization that provides kids with cancer and kids affected by childhood cancer with a unique opportunity for growth through challenging, fun, enriching experiences.
Camp programs include:
* Summer camp program - three two-week sessions for children (6-19yrs) with cancer
* Camp Teomul - a one-week session for bereaved siblings
* 7SCAPE - a one-week session for newly diagnosed teenagers
* Ooch Upstream - A two-week wilderness experience which allows teenagers to test limits and develop leadership skills in order to become strong, capable adults
* Weekends At Camp - seven fall and winter weekends at camp
* In-City program which includes year-round community based programming; This program will allows our campers and children who are either too young or unable to attend summer camp, the opportunity to experience Ooch during the year. Ooch remains the only residential camp in Ontario to offer IV chemotherapy on site so even children in the intense phase of their cancer treatment can still experience camp.
In-Hospital Program: We currently have 5 In-Hospital Program Specialists who provide programming to in-patients and out-patients seven days a week. In addition there is programming four evenings a week led by Ooch volunteers.
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Trillium Health Partners, Queensway Health Centre
|Trillium Health Partners, Queensway Health Centre
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|Urgent medical care * doctors and nurses assess and treat non-life-threatening injuries or illnesses that cannot wait for a family doctor * no emergency department
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Ear mite med easy to dispense but slow to remove mites
posted 7 years ago
Mite medicine is affordable and easy to apply. It has taken several applications to work on eliminating cat's ear mites. Med has a nice smell which is nice for humans to be around. Cat does act relieved of symptoms (reduced scratching) after application.
Pros: Applicator warmed over warm duct vent makes meds warm and easy to apply
Cons: Doesn't always kill all mites despite repeat applications
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posted 7 years ago
I used this on a kitten I trapped that had mites. Her mites weren't severe, and it did clear them up. We use something different at the shelter, but it's not available over-the-counter and I needed something fast and available before bringing this kitten onto my enclosed porch where my cats eventually would roam.
Pros: works effectively
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Pink is my favorite color these are wonderful.I will recommend a good website fou you: www.9footballshirt.org


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Wrong Turn 5: Bloodlines
87 min – Horror | Thriller – 23 October 2012
A group of college students, on a trip for Mountain man Festival on Halloween in West Virginia, encounter a group cannibals, who want to save their cousin from jail.
Director: Declan O'Brien
Writers: Declan O'Brien, Alan B. McElroy (characters created by)
Stars: Doug Bradley, Camilla Arfwedson, Simon Ginty
Wrong Turn 5 Bloodlines Watch Online Full HD Streaming Movie.Wrong Turn 5 Bloodlines Online Movies Divx Streaming Download Video. Wrong Turn 5 Bloodlines Full HD Movie. Wrong Turn 5 Bloodlines Movie Live Part 1 For Megavideo Stream. Wrong Turn 5 Bloodlines HD Movie Streaming & Megavideo Let Me Watch This Wrong Turn 5 Bloodlines Videobb,Videozer Wrong Turn 5 Bloodlines Movie Trailer, Details.
R,1hr 30min
Release: 2012
Director: Declan O'Brien
Distributor:20th Century Fox (Canadian)
Starring: Doug Bradley, Roxanne McKee, Camilla Arfwedson
As swarms of costumed college students descend on a secluded West Virginia town for the annual Mountain Man festival, a hungry clan of inbred cannibals prepares to feast like kings. Doug Bradley, Roxanne McKee, and Camilla Arfwedson star. The entire Wrong Turn franchise is all wrong, on so many levels, but ultimately that is why these films are so enjoyable, and ultimately so popular. Over time a few staples of the franchise have emerged, so going into Wrong Turn 5: Bloodlines there are some things we expect we are going to get: 1) Great and ultra-dramatic opening gore scene, likely before the title screen comes our way, 2) Grotesquely deformed hillbillies who don't really talk, but giggle and act goofy, 3) pots of stew cooking over an open fire with recognizable human limbs hanging out, 4) Extremely graphic and over-the-top gore, with a heavy leaning on practical effects, 5) No respect for the supposed hero of the feature, as characters can die indiscriminately, and 6) In the end, everyone dies except the hillbillies. Thinking back to the other franchises, it is possible that not every single one of these expectations were realized in every film, but that won't be further clarified here in the interest of leaving at least something for new viewers to find out for themselves.


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Reviewed by 4 customers
It's much easier to mount to camera than our other one you needed a coin to fasten.
Works just as expected. It's fairly "grabby" although if you dont torque down enough then it has a chance to slip. All in all that's a trivial issue once you figure out how much to tighten.
This fit perfect on my Dolica AX620B100 Tripod. I've 'misplaced' mine, and even if I find it, I needed an extra for times like that...or maybe an extra for an extra camera...or whatever. It is a good solid fit, no movement whatsoever. Glad I took a chance, after reading the other review, I figured maybe he got the wrong part. Anyway, mine fit, and so very happy to use my handy dandy tripod again...:) Now that I know it fits, if I don't find mine right away, I'm ordering another one. I'd hate to wait, and not be able to buy it later...once they're old & obsolete online...free shipping.
I bought this as a replacement quick release as I missed the original QR plate. The screw is loose and the camera is not firm on the tripod. camera mount screw is not properly fit on the plate and it shakes.


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In our quest to eradicate zits we've tried our fair share of pimple-busting products—with mixed results. This radical serum may very well be The One. The doctor-developed formula penetrates the skin, going straight to the source to eliminate trapped bacteria, dirt, and oil to restore damaged skin. It gets the job done quickly and gently, without irritating or over-drying your skin. The patent-pending YS3 Complex delivers blemish-banishing ingredients, like tea tree oil and salicylic acid, beneath the skin's surface. Willow bark extract reduces inflammation and redness. Bonus: The serum also tackles surface scars and hyperpigmentation.
This is a good alternative to super drying BPO and salicylic acid. I think it would be great to have something on hand less irritating in the mix of the overly skin drying options. This was different, I have not seen much changes in the blemishes yet will keep using , so far.4


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I felt like a real strumpet as I left the conference room following Peter. I was stark naked, except for a pair of trashy high-heel pumps, walking along the corridor behind him, with his cum dribbling down my legs. I felt about as hot as a ten dollar
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A few weeks ago, my wife and I went to a local disco. Anna, my wife, wore a white satin blouse which barely concealed her large breasts. They were displayed sexily in a black half-cup bra. A very tight leather skirt, seamed stockings and black sti
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My name is Paul and I'm 19 years old. I wanna tell you what happened when I had my 1 ST pool party earlier on this year. It wasn't my fault. I mean, what guy in his right mind would miss the chance for an orgy….
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– No confirmation if this is a legitimate photo or not, but could this be a new look for the Undertaker?
He looked really bad on RAW. (appearance)
he looks like hes just come out of hospital
Somebody stretched Uncle Fester!
he is not the dead man……………………………….
undertaker looks are "THE most important" for his characterisation….he should come back with the looks he had during the ministry for one last time..whatever said & done he has been wrestling for more than 20 years and may be for one last time wwe should provide him with a worthy opponent at wrestlemania..may be y2j…otherwise i can't see anyone around…nevertheless my dream match would always be undertaker vs angle at wrestlemania although i know it wont happen..but what a legend he is …what a great ambassador for the wrestling world he has been..he has been carrying this responsibility for so many years..HATS OFF..
He looks like kane
lloyd was bald in wfrr.
@evilangel, wait, the first movie that comes to mind for Christopher Lloyd is Who Framed Roger Rabbit? What about Back To The Future? I know this has nothing to to with wrestling, but still. I'm not trying to be mean, but I'm just surprised a bit with your comment. As for Taker, I could see him growing the hair back before his return. I mean, I wouldn't want to live with that hair if it wasn't part of my job(I'm assuming he has to keep his hair long for WWE when he's wrestling as the Deadman, unless he's getting a gimmick change).
honestly, wtf does it matter, you know this guy has been wrestling fr 27 years, get over it, everyone gets 'older'
It is not him because the tattoe on his left arm stops just where the elbow starts and if you look at other pictures of the Undertaker, he has tattoes all over his arm. http://fan-de-catch.com/tatouages-undertaker/
you all are pretty stupid. this is most likely taker. and someone probably used that stupid instagram program or whatever it is that is on the iphone and did the effects to the picture.
Should play a grim reaper character
If that truely is the Undertaker it makes one wonder why the hell he went bald looking 20 years older than he is and two, when he comes back it coulden't be as the deadman right? maybe another spin on the american badass or some other Undertaker "twist" now? still if it is him he is still a badass but the pic just makes him look elderly.
If this really is Undertaker i would like to Thank him for all the years and amazing matches he gave us. It clearly shows the punishment his body has taken over the years. It should mean just as much to every wrestling fan knowing that he didn't have to look like that. Taker has been very well finanically stable for years now. He could've stopped performing years ago. Had he done so his body and health would've been way better than it is now. i hope he can retire as 20 – 0. If he does wrestle at Mania i hope no one cheers against him. I think we all owe him that much.
Well at least now we can legit call him the Deadman ho looks so fuckin old.
Fuck it he's still the man.
According to a friend of mine, this is real. His cousin, who works for an online wrestling site, took this in a vintage style setting on his camera. Apparently Taker is waiting at an airport in Vegas for his wife. No clues as to why he is bald but he said it is definitely him.
why does the picture look all wierd, it looks like it was taken in the 1970's with the older cameras? was this picture scanned into a computer then uploaded these sites? what kind of camera's still get pictures developed with those kinds of edges? all the pictures i've ever taken come out with sharp edges, like a square.
That is the undertaker, the photo is an instagram photo, it takes black and makes it a lot darker. If you look at the tat on his arm and than a recent picture of his arm, you can see the wings and the swirl to to the right of his wrist.
It is most definitely him, I'm wondering if his Semi-Retirement is due to chemo for cancer.
erm…… that kinda looks like the undertaker but the tattoos on his arms are to fresh hmm…..
he is starting to look like sting without make up. they should put some face paint on taker to help him not look as old. this long in the business is making him look long in the tooth.
He Look Just Like Walter White From Breaking Bad With The Hat And Glasses. Cool !!!
I am confused. Over exposure is only caused by crappy cameras. Today's cameras do not have that exhibitted with them. The photo is a fake. All cameras save for the 10 dollars travellers cameras that Europians use are 100% digital quality.
I want to see the aba taker one more time at mania i think that would look EPIC
Taker with dog tags ?
lmao, you all act like he won't be able to grow his hair back in time for Wrestlemania, which is still around 9 months away. Wow….
just a few words "Pain Killers are a bitch!" sums up his looks
It is not him because Mark ' Undertaker' Callaway has a M C M tattooed on his left arm by his wrist. He got those when he married Michelle McCool a couple years ago. Plus he would not got bald if he returning around summerslam sometime.
ugly pic of taker
Haha I just remembered when he was 'Mean Mark' back in the day teaming up with Sid and teddy long as their manager
for those of you that have said it's a 'new look' for taker, have you ever considered that he's just had a haircut and that maybe, just maybe, it will have grown back a fair bit in the 7-or-so months until wm?
things like hair growth happen you know…. and that's if it's actually him.
Spotted haha. The American Ranga
Maybe it's a movie role…..I know I know the likelihood of that is less than 5% probably but hey I haven't heard anyone else throw that out there lol. If it's a legit photo then I have to say it's time for my favorite wrestler to call it a career. As much as I would love to see him continue, if this is real, it's time
I bet my Life He will Come Back As the AMERICAN BADASS W/ MOTORCYCLE!!!
Damn, He kinda reminds me of Hardcore Holly.. wierd.
46 looking like he's in his 60's? Wow, just like Raven.
A wee beard and he can come out looking like Lenin's embalmed corpse.
Doesn't even look like him to me,his build,tats look different….I don't think it's him.
Does anyone else notice that he seems to have put on some weight?
thanks for pointing out who christopher lloyd is…just an fyi, if you are trying to make a funny pop culture reference, it kind of takes away the humour when you have to explain who that person is in the same sentence…
i was just thinking about this man! good to see him again. and he doesn't look 60 to me, he looks like his age considering his fair skin. i want to know if hes coming back at all never mind coming back a month or2 b4 WM28. i think he should so some wont think his returns are stale being exclusive to WM28. if he can of course.
He might try the ABA again one more time before he leaves. THe last theme he had for it was pretty bad ass. IDK if he would come out with the bike anymore but it could happen.
He looks like Christopher lloyd. The bad guy in Who Framed Roger Rabbit.
maybe his coming back as ABA undertaker?
steve have to agree lol
At least he and Kane really look like brothers now. lol
plenty of time for his hair to grow back to a decent length again. How long did it take last time? 6 months?
I hope this is fake… If not, his hair definitely needs to grow back before Mania.
Taker got Sara's name removed years ago.
Taker got that tattoo removed since the divorce with Sarah.
not taker taker has sarah's name across his throat
Looks badass nonetheless.
@giantthinker Ofcourse i know that he is a human. but the long hair style made him look abit younger this doenst make him look younger at all this makes him look 10 years older
Yea, I saw this picture yesterday. I was sad to see this picture. It is going to be strange to see him wrestle at Wrestlemania 28 with this new look.
Looks kinda like ABA Undertaker to me…..
God! Taker looks like hes 60, not 46 lol But whatever! I think it would be cool if he came back with his devil looking beard and long hair like he was in the 90s with the Ministry for Mania. Prob not thos from this pic..
One can only dream…….
god this website is slow, that was up on other websites 2 days ago
he's 46. looks 66 in this picture
he's really a legend but he needs to retire as soon as possible{put him in a triple threat with cena and the rock at mania and let him win couse' non of them will agree to put over the other one}.
Thats him. And yes he looks old because he is. God forbid he wears a had, tshirt and jeans while he's not wrestling. You do realize his real name is Mark and the Undertaker is a character right? lol
Wow, he looks really, really old.
I don't think that's even him. The tattoos on his arm look too fresh. Taker's are faded.
Well he looked a bit younger with his long hair but now he just looks really old.
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Some people were curious... what flying with wings in feralheart would look like, Your lucky that I just uploaded this.
5T 5S REA3 4 5S56TS!!!5 HAVE *R66F 0YSE3F! g6 t the fera3 heart webs5te ad d6wn36ad the 3atest aych!!!Y64 36SE SC2ERS!!
Their is actually wings on FH now. Including a Santa hat
There's actually wings now on FH. Newest patch. V. 1.12
no its real....go look
its FAKE. The wings are from IT and he is just jumping! Don't be fooled!
OMG!! Its so.... WOW
howd u get wings on FH?
Meshes from impressive title and jumping 45 times with prntscrn
lol fake image


text: It was a weekend of "Eagles, Parties and Playmates" as the 2nd Annual Playboy Golf Scramble teed off at Eagle Falls Golf Course at Fantasy Springs resort Casino. Invited celebrities teamed up with amateurs and were cheered on by the Playboy Playmates and the Girls of Playboy Golf. Photography by Lani Garfield


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A collection of headshots that I have done recently to now. Hope ya'll digs.
Art: Sean"Cheeks" Galloway
Art: Sean"Cheeks" Galloway
Some of em reminds me of Medina line
yooo goo checks
gr8 piece for learnin
gr8 piece for learnin
sweeet sketches man
heads ... you give me so much inspiration its crazy dude ... sweet job on these sketches ...
hey, thanx!
frightens me when I see skills like this.
incredible work
incredible work
inspiring work as always.
cool.. this is a lovely little collection..
I really like the girl with the pony tails alot!
nice sketches man
soo niceee !
Very nice work this is.
rajado..... muy tuanis
very nifty
nice... they all look great.
nice man!!!! really nice!!!!
you rock too much, man.. wish I had 1/12 of your creativity.
Nice, the one on the far bottom right looks the coolest.
I dig...I really dig!!!
Really nice sketches.
Meeeeean the skills!
Cool stuff, I really like how you do faces... simple lines when done... but seems like a giant puzzle while setting up
Very cool... Dig the top left one
You really do draw your ass off... don't mind tho.. keep em commin
You really do draw your ass off... don't mind tho.. keep em commin
cool sketches.
Awesome! Great to see the behind the scenes stuff. Plus the guy near your sig looks like a Matt Bellamy from Muse.
Is there any limit to your productivity? I'm amazed!
hahaha unfortunately there is. I am about to turn in for the night, so I can start fresh, to draw, in about 6 hours. Thank you for your nice comment!


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On The Keynesian Lunacy Of Targeting Outcomes
The pages of the financial press overflow with opinions on what targets would make the world safer: what ratio of risk-weighted-assets banks should target, what RoE targets they would be safe at, what inflation target the central bank should aim for, or what growth target is appropriate for China. When SocGen's Dylan Grice was asked if he was a fan of the idea of nominal GDP targets! He snapped he is not and thought it "a terrible idea". As he opines, today's various issues – the euro, China's economy, over-indebtedness – are the cumulative unintended consequences of such past targets, and the naïve presumption that complexity can be commanded. Even mildly complex systems, any outcome is the wrong thing to target, with the process being where the focus should be. Expressing how little time he has for macroeconomics, reasoning that it's obsessed with the targeting of interest rates, GDP, inflation, unemployment, exchange rates, et cetera, as though such a thing was possible without unintended consequences; Grice notes that Austrian economists understood this too. Ludwig von Mises distilled social phenomena to the simple observation that "man acts purposefully".
Dylan Grice - The tyranny of targets: process, outcome and the complexity of it all
The pages of the financial press overflow with opinions on what targets would make the world safer: what ratio of risk-weighted-assets banks should target, what RoE targets they would be safe at, what inflation target the central bank should aim for, or what growth target is appropriate for China. Someone even asked me if I was a fan of the idea of nominal GDP targets! I'm not. It's a terrible idea. Today's various issues – the euro, China's economy, over-indebtedness – are the cumulative unintended consequences of such past targets, and the naïve presumption that complexity can be commanded.
All outcomes are caused by an underlying process.
But I'd argue that for even mildly complex systems, any outcome is the wrong thing to target. As we just saw, targeting one outcome of such a process changes that process, and changing the process subsequently changes all the other outcomes. In any kind of complex system where the underlying outcome generating processes aren't well understood – whether a company, or a society – the effects of changing the process won't be well understood either. Unintended consequences must ensue.
Yet even a cursory glance at the news shows 'outcome targeting' to be endemic: in response to the damage caused by Basle II, we're given the 'new and improved' targets of Basle III (now already being traduced); the insurance industry now faces Solvency II targets; investors fret that banks won't be able to hit their RoE targets; investors wonder if China will be able to hit its 8% GDP growth target; most major central banks target some sort of CPI inflation rate.
This is lunacy. How much damage has already been caused by banks that overreached themselves in trying to meet their RoE targets? How lopsided and capital destructive has China's insistence on hitting its breakneck GDP growth targets at all costs been? How much of today's painful credit deflation was caused by the credit inflation central banks pumped up while aiming for their CPI inflation target? In targeting these outcomes, underlying processes were distorted. Unforeseen outcomes resulted. But regulators continue to prescribe capital targets, banks continue to target RoE, China continues to target a growth rate, and central banks continue with ever more experimental methods in defence of their inflation targets. Indeed, today in Europe we're seeing the unintended consequences of imposing outcomes (i.e. an exchange rate) on the eurozone economies.
Regular readers know how little time I have for macroeconomics. One reason is that it's obsessed with the targeting of interest rates, GDP, inflation, unemployment, exchange rates, et cetera, as though such a thing was possible without unintended consequences. Since such variables are actually outcomes of a complex process, most macroeconomics seems to me to be an embarrassingly naïve study of outcomes which completely neglects process.
I'm not sure when this started. Adam Smith's observation on the 'invisible hand' of selfinterested but mutually advantageous behaviour might have been our species' first articulation of a complex adaptive process. Austrian economists understood this too. Ludwig von Mises distilled social phenomena to the simple observation that 'man acts purposefully,? while Hayek coined the phrase 'spontaneous order? to describe the market. And all this before complexity had been given its name by mathematicians.
The thing is, Adam Smith and the Austrians didn't fall into the trap of focusing on outcomes. And we're trying to avoid that trap too.
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Excellent article. Too bad those ideas will never be discussed in a serious fashion by the status quo. The closest thing we'll get will be a hatchet job by Larry "I don't drink the Kool-Aid, I mix it!" Kudlow, and his panel of bobble-head dolls.
I got $5 that says the ECB, under the guise of emergency liquidity in the wake of Greece upheaval, uses the excuse to circumvent Germany and buy Spain and Italy bonds directly.
Make it 31.85 Yuan and you are on! That rhymes!
uhh....ECB is pretty much France + Germany banks with half of ECB funding. They also hold greek and spanish bonds. So they will be just bailing out themselves with their own money.
don't look at it as one country bailing out another.
But how can a country bail themselves out?
Toxic bonds are held by banks and retirees in Germany and France...so they are getting bailed out with taxes on their grandchildren's future productivity.
Spain and Greece are like Latin American countries for USA. They are a play thing for bankers to screw with. There is even a video game now...call Tropico.
The dismal science I believe it is called... but I like bullshit too
It is unfair to real sciences to call economics a "science". It belongs more in the category of alchemy.
The Author is wrong in denouncing "targeted outcomes." Of course we want a targeted outcome. We want a stable currency. The term is another piece of propanda thrown at Americans to think that the powers that run the country are doing wonderful things to make the country better. ZHers know it's a smokescreen for fraud, theft, and power grabbing.
"The term is another piece of propaganda thrown at Americans"
If that's the case, why not denounce it?
We are so far away from experiencing any form of Austrian inflation.
Might as well bring out the Bazooka and start printing checks and hand them out to the sheep.
So they can buy the Apple iPhone 5 this summer, stuff their faces with more Buffalo Wild Wings and Chipotle burritos, buy wigs and makeup and ULTA salons, and purchase cheap vacations on the new Expedia mobile app.
And don't even get me started on LULU. Went there to buy some charcoal shorts, they were over $75 so I said forget it....
Oprintmore recently pointed to a $3,000 sheep thingamajig giveaway, so perhaps we are not too far away.
Was he just talking about the 3,000 or is he really going to give it away now? I don't care about the Deficit anymore as it wont be paid so I could buy 100OZ of silver with those Benny Bucks!
Indeed - http://www.zerohedge.com/news/obamas-latest-bailout-plan-summarized-4-words-3000-bucks-thingamajigs
Looks like I am going to buy more silver bars, hopoefully they won't get lost in another boating accident!
lol, Its like I'm taking crazy pills. In NY everyone is up in arms because Bloomberg wants to take their 32oz soda from their chubby fingers and they are calling it a war on the poor. Last time I checked a bag of rice at the super market costs way less than any meal for a family at McDonalds. It really is quite amazing how people have been trained to spend, as long as there is a means there is a way. I keep waiting for all these stores to need to do like 75% off to get rid of clothes but prices barely budge, I don't understand it. I know I'm not buying any $200 jeans but I guess someone still is...
Whats up with you RobotTrader? You seem to be switching sides or is it despair that makes you say such things?
C'mon man, we need some predictions from yesterdays good picks.
The first paper dollar was also printed, nothing new.
Oh I'm watching prices steadily move up, but people are ever willing to spend. There is always more credit somewhere. While I'm no fan of fast food I do look at the prices from time to time. Get a chuckle over how much a "Value Meal" costs now. Hell hear my old man complain "I can't go to a restaurant for lunch without paying $10 anymore!"
Who's the sheep that shop at lulu?
Very good article. Have never thought about it. But, so true.
"The long run is a misleading guide to current affairs. In the long run we are all dead. Economists set themselves too easy, too useless a task if in tempestuous seasons they can only tell us that when the storm is past the ocean is flat again."
Targeting inflation, or anything else in financial matters as outlined in this article, are kind of like the rhythm method. The ecstacy of the point of no return can result in some life changing unintended consequences - asset value crashes, wild fluctuations in valuations, inflation, CHILDREN!
Heisenberg outcomes...
Good ones...
Still looking for that one handed economist so that they can't say "...on the other hand..."
Economists just hedge their words.
Their other hand is invisible.
The system will be revised, following collapse.
(You can start now, if you know what you are doing. Expect derision.)
These marketwatch guys are fkin lunatics. They make cramer look sane.
What passes for current economic models couldn't target the broad side of a barn. It's simplistic garbage with vastly inadequate numbers of input data points, doctored input data from lying governments, the unknown variable of human nature and illogic, etc., etc. and yet they try to run the world with this crap:
Whats going on right now with the miners is funny. It is all out flaunting in our face at this point.
SPX & EURUSD bullish daily charts dominate further.
As mentioned, shorts will be slaughtered next week.
Yep, I think a 20-30 point rip might do it.
After that you better get on your helmet.
Assigning and hitting targets turns men and politburo's into gods. That is the attraction. It is also the same attraction for the socialist-collectivist-welfare state. They are all about outcomes and never process which is why freedom is always sacrificed for some greater result. It would be fine except they never ever never get the desired result.
Economically an economy is like a rain forest, too complex to be managed. Central planners pour fertilizer from the sky. It kills and poisons some things and helps others. They only count the plants and animals that benefitted and tell you the rain forest would have died without them. They also say rain forests need management for a better result when it is a contradiction in and of itself. Only the botanist (Austrian economist) knows the truth.
Good thinking in this article.
The article has it backwards: it's the continuation of the money printing/public debt as-a-stimulus process which is and has been the most important thing, regardless of the outcome.
However, the reason for the money printing and stimulus is to try to attain the objective of targeted outcomes.
The plan is to create targeted outcomes, which is a flawed plan.
The execution of the plan is issuing debt to pay off debt and to spend more than revenues to try to force growth to achieve the targeted outcome. This is also flawed.
Academic economists at least pay lip service to these ideas: http://en.wikipedia.org/wiki/Goodhart's_law
Not sure why it gets brushed under the carpet by policy makers.
Almost every stock index, international and domestic, is moving above its 21 day moving average. Another rally leg is occurring. Get long.
I'm sure Krugman favors targeting
LOL. But make a martyr of him?
Much better to expend that energy educating people so they can see what a fool the man is. You can slay (figuratively) a million Krugpots this way, as understanding spreads exponentially.
Austrian economics... once understood cannot be forgotten.
Allowing failure manages outcomes without micro-managing every step from start to finish.
Consequences of choices completes the loop from the end to the reason for a beginning.
Once failure and consequence are removed from decision making, failure and success along with recklessness versus responsibility lose their meaning.
Such a simple concept, but one that central planners, enablers, apologists, and outcome chasers cannot seem to grasp - or don't want to because it won't allow the outcomes that enrich them without sacrifice or effort.
managing developement of a society is very simple (but hard to find honest people to implement it) - one simply has to control and keep reducing parasitic behavior
Open season on Neo-Keynesians?
An organization that is able to gamble with huge sums of money and pay no significant penalty when it is wrong is going to be a problem no matter what it's goals are. Bring back Glass-Steagall.
We'd need TARP x 10 to recapitalise the banks if Glass-Steagal were (re)introduced. They're already practically insolvent.
Take away the FDIC's distorting effects, and the ability of banks to issue national currency as debt, and the system would sort itself out soon enough.
http://monetary.org has a plan and a House bill to return money creation to the government like the "Greenbacks" of old.
there's another fine group of folks that prefer "outcomes" to the process. they are the same folks that give/gave us affirmative action, quota-based hiring, lawsuits agaisnt fire/police departments regarding "under-representation" of certain racial groups, "fairness" in housing and taxation, etc., etc.
they want guarranteed outcomes, not equal access to opportunity.....
But the flip side of "Keynes is nuts", is that "austerity/Austrian economics is nuts, too".
We have a whole generation of recent college grads; trained, energetic, ready to work. There are plenty of people who need to buy what these grads can produce. What answer do Austrians have for them? Plenty of people who want to produce, plenty of people who want to buy...and bankers sitting in the middle, keeping it from happening.
Point is, neither Keynes or von Mises 'models' the whole of reality.
Point is, neither Keynes or von Mises 'models' the whole of reality.
No, the point is which one models reality more accurately.
"There are plenty of people who need to buy what these grads can produce. What answer do Austrians have for them? Plenty of people who want to produce, plenty of people who want to buy...and bankers sitting in the middle, keeping it from happening."
You answer your own question, Pulpcutter; the bankers, the government bureaucrat / regulators, the lying thieves and thieving liars who steal as much as possible from the productive prevent growth. Austrians would say. "reduce government to the minimum necessary, and prevent it from interfering the markets, stopping growth and business formation before it even begins".
We have a whole generation of recent college grads; trained, energetic, ready to work. There are plenty of people who need to buy what these grads can produce. What answer do Austrians have for them? Plenty of people who want to produce, plenty of people who want to buy...and bankers sitting in the middle, keeping it from happening.
No, we have a whole generation of recent college grads who i) have been educated in an environment that has almost completely destroyed genuine market-based price discovery, so that it's impossible to know how many of these grads have studied subjects that the market actually wants, and ii) are being prevented from being employed because a) various government regulations make it uneconomic to do so, and b) asset prices are being propped up, preventing the necessary liberation of capital that would arise from asset prices collapsing to their actual market price.
The Austrians have the answer - stop propping up market failures, and the market can resume its magic. Yes, that's painful. But you can't blame the Austrians for not having a 'nice' solution to a situation that arose because the idiots in charge never heeded them in the first place.
dylan is right: complexity cannot be commanded; the best i can do with it is put it on a leash called simplicity
dylan is wrong: those who generate n-layered complexities of what is basically always (not sometimes, not never) just boilerplate fuktard n-dimensional dementia must attempt to manage the complexities at least in their moolah aspects or they will go tits up in a world of saggy baggies trying at best to stay only 1 fib down with cantilevered applications
so these fuking old nannies manage by concensus around what the alpha nannies want (same as the pig-men who run theFunway on which the nannies' casinos rent commercial space)
this, as those few of us who have escaped it know, is known as: committee work. and it kills
nannies deserve more, imo; but for those who are not dead already, and must approve the decisions of the zombie alpha nanny interests in their investments, derivatives, and political buzz-word sycophants in both parties, targets are indispensable to achieving moronic agreement on the social vectors of their less-obvious freedom-hating greed
these are the very BiCheZ who were lobbied and voted to collectivize the pig-men's losses, btw; and yes, dey like dem targets...
...their propaganda is extremely important for MSM purposes
"these are the very BiCheZ who were lobbied and voted to collectivize the pig-men's losses, btw; and yes, dey like dem targets..."
And both sides are taking big campaign contributions from the bankers they bailed out in 2008:
Looky here, over $21 million in 2010 from PACs and individuals just for the Financial Services Committee members:
"Conflict of Interest" seems to have no meaning in the Bubble Dome of CONgress and D.C.
it is the small price we must pay to keep receiving these checks
don't forget to vote!
One question only. Should the Tylers get the Nobel price for economics, peace, or both? Keep up the good work! Took a while reading and understanding English. But i got sick reading Dutch MSM. So i had to. No regrets, for sure!!
Neither. Since this website is essentially journalism, the most appropriate award would be the Pulitzer Prize.
There is no Nobel for Economics; there is the Swedish Banker's Association Award for Voodoo Mumbo-jumbo.
But but..
I read in msm one mr. Dimon was going to give the Nobel prize for economics to our president mr. Van Rompuy??
Keynesian economics fixates on "aggregartes" of broad sectors of the economy. Under Keynes, the way to fix any problem is to attempt to manipulate the appropriate aggregate. This is fundmentally inside out and upside down. It is like trying to cure a fever by immersion of the patient in an ice bath.
Such thinking leads to absurd policy by government.
This week's example comes from no less than the Bond King, Bill Gross:
Gross is a member of the periodic investment roundtable published by
Barron's. Those interviews were the feature story of this week's (June 11)
In response to a question about the economy, Gross says the following:
Q: How long will it be before the economy can stand on its own?
A: A decade. We are in quicksand and the Fed is on dry land extending a hand...In the world of Keynes, The "dry land" from which help comes is the central planning agency that presumes to control the instantaneous and time value of money by printing unlimited amounts of it. The world of real economic assets and wealth creation is the world of "quicksand".
Your analogy is flawed. If the patient's fever is life threatening, cold water to lower body temperature to prevent brain damage and death may be the appropriate solution.
"The society which scorns excellence in plumbing as a humble activity and tolerates shoddiness in philosophy because it is an exalted activity will have neither good plumbing nor good philosophy: neither its pipes nor its theories will hold water."
- John W. Gardner
You ... have ... to ... know ... that ... I ... do ... not ... want ... you ... too ..
It's not as if ...
People like to think that they understand things so when things become difficult or impossible to understand people take mental shortcuts. These mental shortcuts or rules of thumb they are called by some are almost always incomplete and even disastrously wrong under certain conditions. True experts in a field understand that conditons have changed and that the rule of thumb (ROT) no longer works. Those with less understanding just whine that ROT always worked before.
The current crisis was not caused by "focusing on outcomes" but the opposite!
Trust me hardcore's, I am a Hayek Austrian 100%, however I think Keynes gets a bad rap when you really think about, and here is the simple reason why.
The global statist cartels of economic power players (the imperial corporatists and their puppet politicians of global monopolized trade, oops, I meant to say free trade) have never applied Keynes prescriptions in the way that many argue he intended.
Yes, the statists most certainly intervene in extreme crisis as prescribed; however, they do so as well even at the mere hint of a minor downturn or the least bit of economic pain or natural readjustment.
Now, apart from trying to micro-manage economic signals of the smallest size and shape, which is absurd and ultimately distorts the entire rational of all economic agents, one-off minimal interventions in the exceptionally extreme outlier event is not out of the realm of reason once every 100-years or so. Constant one-directional simulative interventions are not how Keynes intended his prescriptions be administered.
The problem is that Keynes prescription to tighten and conserve (to promote real savings in order to rebuild true capital investment structures) during the periods of stable growth has never been part of statist equation. They just kept printing and spending their way to fiat oblivion amid the excessive booms and busts such folly creates.
It is kind of like blaming the founding fathers for what America has become. Despite the foresight to anticipate the possibility of our current predicament if not properly managed, and without the necessary intermittent revolutions that Jefferson so highly thought prudent, I trust that anyone with half a brain is quite aware that what America has become today is NOT what the founding documents and the revolution that preceded intended to produce.
Today, I have posted a challenge to the Austrian School and to all persons of intellect and reason. Since I am so fond of the ZH community and its diverse array of contributors and commenter's, I thought I would present it to each of you as well.
You may find the challenge here. It is titled: The Greek Elections and the Quandary of Finite Resources
Go easy on the bitchez okay, but otherwise, let em have it…
Just like Marx, the theory would work fine if men, all of them and each generation, could overcome their self-interests.
In practice, I prefer not to be part of such an exercise in futility.
Keynes #1 rule was to never, ever, ever run a trade deficit especially not a $600 billion a year one and he surely wouldn't agree with moving most of our non-food consumer manufacturing to communist/socialist(by their constitution) China, firing their US workers then importing the products.
All of our major wars since 1950 have been with friends or proxies of China(Korea, Vietnam, Iraq, Afghanistan, Libya) and now our mass production factories are on their soil. That doesn't seem good.
The communists said years ago that "they would use capitalism to defear the capitalists."
Excellent piece!
It reminds me of a class I took years ago in systems theory. I'll spare the details, but the bottom line is that control systems have two properties, controllability and observability, and in general, variables that are observable are not controllable, and vice-versa. I know TPTB have the belief that they can have complete control (and complete observation), but even from a theoretical perspective, such a thing is simply not possible. Even for very simple systems, the mathematics are difficult, and beyond say a dozen nodes, closed-form analysis is all but impossible without symbolic editors.
Obviously they are using empirical computer models, but the problem with empirical models is that they are phenomenological, a fancy word meaning that the variables that go into the model have no theoretical underpinnings, but are simply observations, and most importantly, are things that can actually be measured. This is a key point, because things that are difficult or impossible to measure never end up in the model. My opinion is that phenomenological models are inherently weak, as the modelers have little understanding why the variables have the effects they do. I've seen all sorts of hand-waving ridiculous arguments as to why a phenomenological model should be believed, and this is hard science I'm taking about, solid state physics.
Dylan Grice is absolutely correct in saying that the process is more important than the outcome, and maybe that's where we've really gone wrong as a culture. Very thought-provoking. Thanks Tyler.
we are complex systems of symbolic editors trying to discuss complex systems
matrix of matrices
and hermeneutics in that the assumptions we make will bound the outcomes of our thought
good thing clothing is optional...
TPTB will focus attention on 2 or 3 targeted outcomes, like U3 headline UR, 'core inflation', and the DJIA, disregarding the 17 to 20 other prints that provide some kind of context to the tomfoolery. This is what shadowstats.com is so important - but it's hard to deliver that truth to the sheeple.
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It would be helpful to have pictures of the system and of the area in which you want to install the screen. Without them, we don't know what you're facing, and it makes it hard to answer your questions.
While your location -- "at home" -- is cute, it isn't very informative, so we don't know what access you may have to stores and suppliers. That means it's more difficult to make recommendations.