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How many catchers?
by, 12-22-2013 at 02:50 PM (605 Views)
The Twins signed Kurt Suzuki to a one year deal, pending a physical. They have three other catchers on their roster: Josmil Pinto, Chris Herrmann and Eric Fryer.
My question is, how many catchers will the team want to take north? Barring injuries, Pinto and Suzuki are the two top favorites to make the team. But will the Twins carry a third catcher? Reading other posts on this site, many seem to think Herrmann is the third catcher;
I'm not so sure. I think Fryer would actually beat him out in ST.
However, I believe the Twins will only carry two catchers, Pinto and Suzuki. Pinto will be the primary, getting maybe 60 percent of innings, with Suzuki getting 30 percent of innings and Herrmann or Fryer or both getting the remaining 10 percent. (Just because they start the season with two catchers does not mean they go all season long with just the two.)
Here is my thinking: The Twins need to get off to a very quick start. They need to prove to their fans, the central division and most of all, themselves, that they can and will compete in the division.
To do that they need options on the bench. Having a defensive-minded catcher (Suzuki) and an offensive-minded catcher (Pinto), makes for a logical progression. If Pinto starts and the team is leading late in the game, Suzuki can come in as a late-inning defensive replacement. If Suzuki starts, Gardenhire has the opportunity to use Pinto as a pinch hitter, with or without replacing Suzuki.
Adding either Fryer or Herrmann to the equation does little to give them flexibility elsewhere. The Twins will need at least two reserve infielders and and two reserve outfielders/DHs.
Now that they have traded Doumit and signed Suzuki and Pelfry, I envision a roster looking like this:
SP: Nolasco, Coreia, Hughes, Pelfry and Deduno.
RP: Perkins, Swarzak, Thielbar, Pressly, Fien and Burton
That leaves 14 position players:
CA: Pinto and Suzuki.
IF: 1B Mauer; 2B Dozier; 3B Plouffe; SS Bartlett; reserves: Escobar and Florimon.
DH: Willingham.
OF: LF Arcia; CF Presley; RF Parmelee; Reserves: Hicks and Kubel.
Hicks and Presley are interchangeable at CF, depending on how they do in ST. Parmelee will back-up Mauer at 1B.
That's how I see it.


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For over 10 years, NYSERDA has been supporting energy efficiency and renewable energy workforce development and training initiatives and has created a network of more than 40 clean energy training facilities across the state. Through this network, NYSERDA's partners have provided training in solar water heating, small and large wind systems, geothermal, fuel cells, photovoltaic technology and anaerobic digestion. NYSERDA is working with 25 new training partners to develop career pathways and other technical training initiatives that target unemployed and underemployed individuals.
Thanks to NYSERDA-funded training through the Center for Energy Efficiency and Building Science (CEEBS), Buffalo Energy, a Home Performance with ENERGY STAR® contractor was able to grow from two full-time employees to eight in just three years. Headquartered at Hudson Valley Community College, CEEBS has an expansive network of 18 locations that develop and deliver workforce development building science training across the State.
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The Pennsylvania College of Technology wants to take its intercollegiate athletic program to the next level.
Athletic Director Scott Kennell announced Friday the special mission affiliate of Penn State has applied to the NCAA for exploratory status in Division III. That is the same classification as schools like Susquehanna and Lycoming.
The NCAA annually accepts a maximum of four schools as provisional members, after which there is a four-year process to become full members. The exploratory classification provides institutions with an opportunity to learn more about the NCAA.
Penn College would like to compete at the Division III level in baseball, men's and women's basketball, cross country, golf, men's and women's soccer, softball, tennis, women's volleyball and wrestling. Kennell noted this past fall, Wildcat teams had an 11-8-2 record against NCAA opponents.
The college is making overtures to several undisclosed conferences for membership. The Middle Atlantic Conference, of which Lycoming is a member, is not one of them, Kennell said.
After the school is accepted into a conference, it will leave the Penn State University Athletic Conference but will remain a member of the United States Collegiate Athletic Association until a full NCAA member, he said.
A provisional member of the NCAA may not compete for national titles so remaining a USCAA member will enable Penn College teams to do so, he explained. Since 2008, Wildcat teams have appeared in 23 national tournaments.
Moving to the NCAA would require hiring full-time coaches because recruiting student-athletes will be part of their job, said Elliott Strickland, chief student affairs officer. He estimates approximately 225 students will be recruited for the various sports. There are no athletic scholarships in Division III.
The current athletic budget of $500,000 will increase by $150,000 next year, he said. The additional students recruited for sports will more than cover the added cost, he said. Improvements to athletic facilities including the possibility of a turf field are planned, he said. There are no plans to add football, he said.
"Making the transition to the NCAA will align us with a stronger and more widely recognized athletic brand," Kennell said. Despite the athletic upgrade, academics remain the priority for the college, Strickland said.
There is no guarantee the NCAA will accept Penn College's application but, Strickland believes the college with its 5,671 students is in a good position.


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Calabasas captures Div. 3AA boys basketball title
Calabasas dedicates first championship to assistant coach
ANAHEIM — The Coyotes made good on their promise: They'll all have championship rings to some day show fallen assistant coach Joe Frazier.
Powerfully motivated to bring home a section title, the Calabasas High boys basketball team made it happen in dominating style Thursday night.
Jeremy Lieberman scored 15 points, including 13 points in the decisive first half, and Holden Israel and Spencer Levy combined for 27 points as the top-seeded Coyotes overwhelmed No. 4 South Torrance, 69-39, in the CIF-Southern Section Division 3AA championship game at the Anaheim Convention Center.
The Marmonte League champions all but locked up the championship in the first nine minutes. A 20-0 run produced a lead of 27-2 at the top of the first period.
"I thought we had a good game plan, and the kids went out and executed it perfectly," Calabasas head coach Jon Palarz said. "Give these kids the credit. They've played in a lot of big games and are used to playing in tough environments on the road. They obviously were ready to play tonight."
Just as it had all season long, inspiration came from the players' affection for Frazier. The popular assistant coach has been in a coma since August when he was struck by a hit-and-run driver while aboard his motorcycle.
"We held a prayer service for Joe on Sunday, and I told his mother that we're all going to have championship rings to show him when he comes out of his coma," said senior forward Josh Cohan. "It's like I told my teammates before the game: I know we're going to win the game because we have to win it for Joe."
Their trademark team balanced, punctuated by a strong outing from sophomore point guard Lieberman, easily delivered the school's first section title in boys basketball.
Levy opened the scoring with a 3-pointer and Lieberman banked in a shot for a 5-0 lead. South Torrance followed with a basket by Jake Ly, then saw the Coyotes run off the next 20 points to hike their lead to 25-2 after one period, and 27-2 with the first basket of the second period.
Lieberman was the catalyst with 13 points in the first half, including three 3-pointers.
"I love to get the ball to my teammates, but if the shots are open, I will take them," he said. "I want to do whatever it takes to win the game."
There, obviously, were no championship jitters for the Coyotes.
The division's top-ranked team hit 13 of 26 shots in the first half, including 5 of 9 from 3-point range, to open up a 36-12 lead at hafltime.
South Torrance, as cold as the chilly night air, was 5 of 27 in the first half, and 0 for 8 from 3-point land.
"They just kind of overwhelmed us in that first half," South Torrance senior Kenichi Hackman said. "We've never seen a team shoot as well as they did."
Calabasas, which emptied the bench in the final period, ended up 22 of 54 from the floor. South Torrance was 16 of 57.
Holden Israel tallied 14 points and Levy finished with 13 for Calabasas, which improves to 27-3 and awaits its berth in the state tournament next week.
Girban Sewani scored 11 points for South Torrance (19-12).
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Welcome to Kent County's Work-Based Learning Initiative!
Work-Based Learning experiences offer students the opportunity to explore the world of careers and make the connection to the classroom. This website is a resource for educators, parents, employers and especially students for future career opportunities.
Why is it important to explore careers before you graduate?
With over 100 Kent County businesses waiting for your call or email — Workpaths.com is easy and ready to assist you. Just hit the Search Here button below and you're on your way!


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NORTH HUDSON — A Peru man who was in a motorcycle crash June 24 is in critical condition at Fletcher Allen Health Care in Burlington, Vt.
Chad E. Allen, 25, told police he was traveling northeast on Tracy Road in the Town of North Hudson when he lost control of the motorcycle upon entering a curve in the road, Ray Brook-based State Police said.
The vehicle skidded off the roadway into a sandy area and Allen was ejected from the motorcycle and struck a tree, police said.
The motorcycle continued another 29 feet and came to rest in a wooded area, police said.
Allen was taken by Schroon Lake EMS to Elizabethtown Community Hospital, police said.
He sustained serious injuries and was later transferred to Fletcher Allen Health Care.
Allen was ticketed for speed not reasonable and prudent and driving across hazard markings.
MALONE — A Malone man was charged Wednesday with robbery and three misdemeanors after he allegedly took money from an acquaintance.
On Monday, Robert Mulverhill Jr., 26, was drinking alcohol in an Academy Street apartment in the Village of Malone when he allegedly assaulted and forcibly took money from another man in the apartment, according to the Malone Village Police Department.
During the struggle, Mulverhill allegedly caused damage to the other man's glasses, police said.
Mulverhill was charged with second-degree robbery, a felony; third-degree assault, a misdemeanor; criminal obstruction of breathing, a misdemeanor; and fourth-degree criminal mischief, a misdemeanor.
He was arraigned in Malone Town Court and sent to Franklin County Jail in lieu of $10,000 cash or $20,000 bond.
PLATTSBURGH — A Chazy man was arrested Tuesday on a warrant issued out of Rhode Island.
It is alleged that Joseph M. Castellani, 22, failed to appear in a Rhode Island court to answer to a charge of third-degree sexual assault, a felony, according to a news release from the Clinton County Sheriff's Department.
Castellani was arraigned in Plattsburgh Town Court and sent to Clinton County Jail where he is awaiting an extradition hearing in Clinton County Court.
LAKE PLACID — A Texas man was charged with felony drunken driving early Tuesday morning.
Jeffery S. Mitchell, 34, of Arlington, Texas, was pulled over by Lake Placid Police for a traffic violation when it was discovered that he was intoxicated, the Lake Placid Police Department said in a news release.
Further investigation revealed Mitchell had been convicted of driving while intoxicated within the last 10 years, police said.
Mitchell was arrested at 3:35 a.m. and was charged with felony DWI, a felony, and four traffic infractions: failure to keep right, improper left turn, driving an unregistered motor vehicle and inadequate mirrors.
Mitchell was arraigned in Lake Placid Village Court and sent to Essex County Jail in lieu of $5,000 cash or $10,000 bond.
MALONE — A Malone man was charged June 27 with criminal possession of a weapon.
After receiving a noise complaint, Malone Village Police officers discovered that David Dodge, 38, of Malone was allegedly making homemade bombs with toilet cleaner, spray aerosol and aluminum foil, according to the Malone Village Police Department.
Dodge was charged with third-degree criminal possession of a weapon, a felony.
He was arraigned in Malone Town Court and sent to Franklin County Jail, police said.
Dodge has since been released, police said.
— By Staff Writer Felicia Krieg


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By Gene Kershner
In November, the Racing Kreskin reviewed his 2013 racing predictions where he fell well short of expectations after a solid 2012 year where he batted .500. The 2013 dip was significant as we missed our first eight selections and were looking to get off the duck at the Breeders' Cup with the final two projections. Luckily we nailed both to reach the Mendoza Line and give the Racing Kreskin some hope for 2014.
So as we approach the new year, it's time to pull out the crystal ball and start channeling our inner Kreskin to take a look at the upcoming 2014 racing season. We'll keep some of the staples in the mix (you'll recognize them) and add a few new twists this year. So without further adieu, Mr. Kreskin…
1. A filly from the west coast will win the Kentucky Oaks. Last year, Princess of Sylmar captured the Oaks at 47-1 from the east coast. Sorry to go all 2Pac and Biggie on y'all, but it's the west coast's turn to win the Oaks.
2. The Kentucky Derby winner will come from gates 4 through 7. This is a bit of a stretch, and I could have gone with the inside and included the inner three gates, but we know that's most likely not going to happen. We're narrowing our odds here, but we're talking Racing Kreskin here, not Jimmy the Greek.
3. The Derby winner will come out of the Wood Memorial. It's been a long time since the Wood produced a Derby winner. You have to go back 13 years to Fusaichi Pegasus as the last winner. Three of the last five years' winners have been Derby threats, although two (I Want Revenge and Eskendereya) never made it to the gate.
4. The trainer of the Derby winner will claim his first. So what I'm saying here is no Baffert, no Pletcher, no D. Wayne, and no Shug. Jerry Hollendorfer, anyone?
5. A colt will win two of the three Triple Crown races. Wait, what? No Triple Crown again? Not only that, we're looking at two of three. Opens the door for an Afleet Alex type (Preakness-Belmont) or a disappointing failure in the Belmont, most likely.
6. Roger Attfield wins a record ninth Queen's Plate. The Canadian and U.S. Hall of Famer is currently tied with Harry Giddings, Jr. for the top spot atop the trainer category for Plate victories. I watched his last win at venerable Fort Erie Race Track on the simulcast in 2008 when Not Bourbon helped him tie the record. Attention: This is a repeat selection, for those wondering if I was getting lazy.
7. Joel Rosario wins the riding title at Saratoga. He was red-hot going into the Spa meet in 2013, after winning the Dubai World Cup and the Derby, but finished third with 41 victories behind Castellano (66) and Velazquez (46). Castellano will be tough to beat and who knows how Johnny V responds in his recovery from his spleen removal. It's Joel's time.
8. The Haskell Hat is Green. It's been dark colors for the past five years. Green has been off the rotation since 1997 and has to be back this year. It has shown up on the brim in 1999 and in the stitching in 2007, but that doesn't count. Upset possibilities: white (2007) and yellow (2002).
9. A track other than Santa Anita or Churchill will be awarded the 2015 Breeders' Cup. It's been a two-track rotation for seven straight years. This means we're projecting the folks at Breeders' Cup Ltd. going back to the origins of the concept and looking to rotate the Cup away from the big three (including Belmont). This projection has the least likely chance for success.
10. The Classic winner will go off between 5-1 and 10-1. So we're saying the post time favorite won't win and it'll likely be a horse going off as the third to sixth choice on the board, but not a long shot. I like our chances here.
That's it for the Racing Kreskin, 2014. We made some bold predictions, but no one said this job was easy. Look for my year in racing review in print editions this weekend.
Gene Kershner, a Buffalo-based turf writer, is a member of the National Turf Writers and Broadcasters Association, and tweets @EquiSpace.
taggedHorse Racing


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John Gay at the 2009 Gala; photo Stefanie Motta
Name: John Gay
Age: 47
Occupation: Regional Administrative Coordinator, District Court Department
Member since: 2004
Member level: TSC Silver
Favorite Pillow Performance: Off the top of my head, and in no particular order: Aszure Barton, Grupo Corpo, Inbal Pinto, Kitt Johnson, Batsheva, Shen Wei, Les Grand Ballet Canadiens...
Most looking forward to: The Göteborg Ballet and Lucy Guerin. And the bonus is they are both in the same week!
PillowPages: How did you discover Jacob's Pillow, and how many years have you been attending?
John Gay: After completing my first year of an acting program at NYU in 1982, and many auditions, I was dismayed not to receive any summer stock offers. Hoping to allay my parents' concern of a perpetually unemployed son, I decided to take the first skill-related position that was offered: Director of Theater at an all-boys sports camp in Pittsfield.
My schedule was simple. Write, cast and direct an original musical each week that would be performed by different age groups within the camp. We rehearsed Tuesday through Saturday, and performed the show each Sunday.
Mondays - blessedly - were my days off. This day would generally consist of doing laundry at a local Laundromat in the morning, having my car repaired shortly thereafter, and then playing 9 holes of golf. I would then treat myself to a Fribble at Friendly's before returning to my midsummer sleepover nightmare.
After a couple of weeks following this routine, I started to notice that two similarly aged women were frequently at Friendly's at the same time. Turns out, they were interns at Jacob's Pillow. They explained to me that the Pillow was a place for people (dancers and audiences alike) to celebrate dance, amidst a spectacular setting featuring world-class companies. I was captivated by the obvious love and passion these two possessed. They joyously described working long days for very little compensation, simply for the privilege of being part of the "Pillow" family.
Still, the intensity of those two interns stays with me. The love they had for dance and for Jacob's Pillow remain vivid memories. It is a passion I now happily and humbly share.
PP: It sounds like acting did not turn out to be your calling. What do you do for a living now?
JG: No, the acting didn't work out, so I enrolled at Bates College as a political science major. Not only did this choice greatly assist me in attaining a rewarding public service career in District Court Administration, I believe it also convinced my parents that based on my more pragmatic career choice, that there was, indeed, a God.
When I accepted my position to assist the judges and courts throughout Western Massachusetts, I was fortunate to become friends with longtime Jacob's Pillow Member, Robert Kumor. Though fifteen years had passed since my introduction to the Pillow, without his encouragement, I might not have made such an important rediscovery.
PP: I understand that sports are another passion of yours. What do you do with your leisure time when you aren't at Jacob's Pillow?
JG: I should have mentioned it above. In addition to my day job, I am also an on-call utility infielder for the Boston Red Sox. (Just kidding.)
In truth, I have many interests, but travel is my favorite use of leisure time. I especially look forward to trips in which friends join in the more exotic adventure. The combination of exploration and close friends is, for me, a perfect blend.
PP: You are a lay dance curator of sorts in that you look at each Pillow season and invite friends to specific shows. How do you decide who to bring to what?
It's really mixed. For instance, some of my friends are comfortable seeing a ballet-based program. Others want to see something abstract and modern. Then, there's that predictable group of devotees that wants to see every performance of Trey McIntyre's company!
To digress a little, as I mentioned before, one of my other passions is travel. And part of that love is the enjoyment I feel in the actual planning. I feel the same way about Jacob's Pillow. For me, it starts in early December. I pester (hopefully in a nice way) every staff member about the unannounced upcoming season. To Ms. Baff's credit, and despite my cajoling, her staff unwaveringly guards that precious information on the same level governmental officials still cling to the details of 1947 happenings in Roswell.
So, like everyone else, I wait for the schedule to be announced. When it is finally released, it becomes a very happy day. A colleague and fellow patron of the Pillow says the announcement of the season achieves the same effect as receiving the season's first seed catalog. That is, the correspondence portends happy days of sunshine and warmth and in the suddenly less distant future.
Based on the schedule, I start researching the companies on the Pillow website and elsewhere, concentrating on those that are new to me. And when it all comes together, and I make the telephone call to place my large order, I feel elated that another summer in Becket is close at hand. The seeds not only have been ordered, but planted as well.
PP: In addition to attending shows, you frequent our cast parties. What keeps you coming back to those events?
I attend the cast parties for three reasons: The first is that they are fun!
The second motivation is that I enjoy the recognition that Ms. Baff lauds on the companies, commending them on their effort and vision. In addition to the applause they receive after their performances, it is gratifying to see them publicly appreciated by the extended Jacob's Pillow family.
And finally, I appreciate the access to the principals and directors of the companies. Their willingness to share their love of dance, to be so accessible and responsive, has taught me much about much of the art, the staging, and the business of dance.
PP: You are absolutely beloved amongst the Jacob's Pillow staff for being one of the consistently nicest patrons we work with. How did you go about building such great relationships with everyone from our Box Office Assistants to our Executive Director? And what did we do to deserve you (or are you that nice to the Red Sox staff too)?
Quite honestly, my relationship with Jacob's Pillow went to its current level the weekend that my Grandmother died. I had tickets to Inbal Pinto (I think), and couldn't use them because of Nana's service. When I called the Box Office to explain my absence, I was immediately offered the opportunity to trade my seats for the Sunday performance.
And when I arrived that Sunday, I was overwhelmed that so many people - from the Director to the Box Office Interns - all extended their condolences for my family's loss. It struck me that weekend that the Pillow was more than simply a venue at which one could watch dance. It was a caring, supportive family. It remains a family I hope to be part of for a long, long time.
PS- My relationship with the Boston Red Sox is not at the same level as with the Pillow. This is no doubt due to the fact that they knew my Grandmother was a Yankee fan...
Read the next article: Gala Co-Chairs Q&A


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Boys basketball
TAHLEQUAH 56, STILLWELL 52 – In an overtime thriller, a bucket and six made free throws were the difference for the Tigers. The bucket was by Dalton Cunningham who had all of his 17 points in the second half after first-half foul trouble.
The pressure free throws, four of which belonged to Matt Alberty who had 10 points on the night, proved to be the difference. Down eight in the third, sophomore Alex Paris hit from way downtown to ignite Tahlequah (3-3) to push through some early game struggles and close the gap on the Indians. The Tigers take on Charleston, Ark., in the Siloam Springs tournament at 11:30 a.m. Jan. 2
ROLAND 78, HASKELL 71 – The Haymakers' four double-digit scorers didn't add up to a victory for the home team. Alex Wheeland led the way for Haskell (4-2) with 19. Micah Hayes and Wes Davis combined for 28 points, each finishing up with 14. Riley Atwell accounted for 12, but the Haymakers couldn't overcome 10 missed free throws and the Rangers domination on the glass. The two teams meet up again at 7:30 p.m. Jan. 4 at Roland.
SALLISAW 45, STIGLER 28 – No stats available at press time.
Girls basketball
STILWELL 62, TAHLEQUAH 47 – The Lady Indians jumped out to 21-10 lead after the first period and that's all they needed to cruise to an easy victory. Lyndsay Wade finished up with 14 points as the only Lady Tiger in double-digits. The Lady Tigers made a fourth-quarter push, doubling up the Lady Indians 16-8, but the lead was insurmountable. Tahlequah (3-3) will play next against Gentry, Ark., in the Siloam Springs Tournament on Jan. 2.
ROLAND 57, HASKELL 49 – Denora Wheeland and Joanna VanBrunt teamed up to knock down 47 of the 49 total points by the Lady Haymakers. Wheeland poured in 27 while VanBrunt put in work from the field and crashing the glass. She had her first double-double finishing with 20 points and grabbing 11 boards. Haskell (1-4) was down 15 at half and narrowed the lead to 4 entering the fourth, but couldn't keep up with Lady Rangers down the stretch. The Lady Haymakers play Summit Christian in first round action of the Shrine tournament at 7:30 p.m. Jan. 6.
SALLISAW 44, STIGLER 32 – Nina Echelle was the lone double-digit scorer for the Lady Panthers with 10 points on a slow offensive night. Stigler (3-3) managed only 15 first half points and trailed by 8 at the intermission. The Lady Panthers look to rebound in the Sequoyah County Tournament with first round opponent Vian at 6:30 p.m. Jan. 7.
WILDCATS PLACE THREE – Checotah had three boys place in the Poteau Border Brawl. Hunter Collins took first in the 220-pound division with four pins in the event, Seth McKibben brought home second at 126 with three pins on the day and Kaleb Fox placed third at 120, also with three pins on the afternoon.


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Greg Satell, Contributor
Microsoft launched its new Surface Pro to a mixture of very positive and very negative reviews. There seems to be very little in between. As both an Apple enthusiast and Microsoft optimist, I'm pretty excited.
While the reviews have been mixed, they mostly agree on the merits and demerits. Microsoft Surface Pro represents a new category of device. Not quite a laptop and not a tablet either. It is, in truth, a reimagined vision for a new era of cloud computing and touch interfaces.
Here are two reviews that are pretty representative of what the experts are saying:
Michael Gartenberg, Computerworld
Surface Pro is important, as it serves to raise the bar high for Windows 8 devices while also delivering a traditional, legacy PC experience that will be appreciated by many users. While it might not be the device for the masses, it is the device that points the way for Microsoft's future. It demonstrates the power of integrating hardware and software tightly while declaring that there is room for multiple visions of personal computing in a world increasingly driven by applications and services.
"I keep scratching my head over who Microsoft expects to buy the Surface Pro. It's not as good of a tablet, in terms of weight/battery life, as the Surface RT is. But it's also not as good of a Windows 8 PC as other OEM-produced devices, coming in at lower price points with better battery life and other specs."
And it pretty much goes on like that. Everybody seems to agree on what Surface Pro is, but they are deeply divided on whether they like it or not.
Here's my take:
It's the Productivity, Stupid!: I hate that I can't get work done on my iPad. I love my Macbook Air, but it's still too bulky and uncomfortable to travel with, especially on airplanes. That nice big screen that I like when I have a desk to work on becomes a serious impediment on a tray table sitting next to that guy who loves donuts.
I really don't mind some loss in functionality as long as I can get done what I need to without too much hassle. As it is now, I end up carting around both my Macbook and my iPad, which is a bit of a pain.
Are They Serious?: When Surface first was announced, I assumed it was a gambit to get hardware manufacturers (OEMs) to support Windows 8 for tablets. That would be in keeping with Microsoft's talent for knowing exactly where the pressure points are and exploiting them.
Now, I'm not so sure. With Google's purchase of Motorola, there's less danger of offending OEMs, because they really don't have anywhere else to go. Microsoft's investment in Dell also gives them additional leverage.
So, if Surface wins, Microsoft wins. If not, it can still win. It's not clear which Microsoft truly prefers.
What Does $9.8 billion Buy?: In truth, it's not control over devices that Microsoft wants, it's the cloud that they truly covet, which is why they have dedicated the bulk of their massive $9.8 billion R&D budget to cloud services. Look for Windows Azure to become the center of the Microsoft ecosystem.
In the future, we won't be carrying around computing devices as much as we'll be carrying interfaces. The bulk of the functionality will be in the cloud. Wireless peripherals like keyboards will be a function of time and place, not any individual device.
The Google Question: One constant since the beginning of the computer age has been a choice between two architecture visions: integrated and modular. Apple rules the market for integrated devices and probably always will. Now the battle is between Microsoft and Google over who can build the dominant platform for multiple OEMs.
I seriously question Google's commitment. With its massive and incredibly profitable search business, along with its passion for the moonshots coming out of their Google X division, do they really want to slug it out here? I don't think so.
Microsoft is Back!: While plenty of questions remain, one thing is clear. Microsoft is a serious player again. On Multiple fronts, whether it's game consoles, operating systems, cloud services and now hardware, Microsoft can no longer be written off as a company whose time has come and gone.
With three strong companies offering competing platform visions and a host of hardware manufacturers struggling to stay relevant, the future of computing has never been brighter!
You lost me at: "I hate that I can't get work done on my iPad. I love my Macbook Air, but it's still too bulky and uncomfortable to travel with, especially on airplanes."
I'd like to know more about what work you can't get done on your iPad? Like many of us, I imagine you are continuously in email and writing documents. Agree that physical keyboard is a little better, but really, you can't manage your email on an iPad? You could have written this article on the iPad.
You must be the only person that feels that the MacAir is too bulky to travel with. What a joke.
And you CAN get a keyboard for an iPad. Is it Office we're talking about? For $30 you can get the necessary tools on the iPad without all the bloat ($30+GB taken up by Windows 8 on the Surface Pro, before you add MS-Office).
"Microsoft is Back!", Really? C'mon man this is the Zune 2.0; why wasn't the 4 hours of battery life mentioned?
I agree with you: Microsoft can't simply be written off, whether or not you've made up your mind that you do or don't care for them. Personally, I'm excited to test-drive the Surface Pro. If it's anywhere as nice to use as my Windows 8 phone, then I'm interested. If someone just doesn't like MS for all the standard reasons, then I guess they're not a prospect for any of their stuff. They can always buy something from the biggest company in the world, Apple, which sues everyone else, or they could gravitate towards another giant, Google, which until recently kept my Windows phone out of their maps data. I have to say though, MS clearly did something right with the phone, it's sweet. Perhaps the Surface Pro will follow suit.
Been long on MSFT for a few months now after trying the Windows 8 preview. I thought then as I do know that this is the direction of computing.
I really don't understand all the hate for Windows 8. It is a faster version of windows 7, with a full touch mode available. It offers support for traditional apps, and of course DECENT VIDEO GAMES. There are some great game ports, and some great games available on IOS and Android, but nothing beats out a PC for truly immersive gaming.
If you hate the "Modern" UI, just use the incredibly normal looking desktop mode.
Get lost, or plain miss the start button? Press the "Windows" key(you know, the key people hardly use)
And guess what Windows 8 can do that iPad cant? Multitask, you know true multitasking where more that one window visible at the same time. e.g. a pdf one side, with an excel spreadsheet on the other. Have people forgotten how gosh darn convenient the Windows interface can be?
There are some bugs in Windows 8 that drive me nuts, but I've been using it on a 3 year old AMD laptop and it work's wonderfully smooth 99 percent of the time. It's only a matter of time for the hardware, namely next Gen x86 processors, to catch up and give some amazing possibilities to this OS.


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Check out the image below that shows the grommet.
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NTRA Breeders' Cup World Thoroughbred Championships is a Racing/Horse Racing video game for PlayStation 2 developed by Bethesda Softworks and published by Jack of All Games on September 28, 2005. It's rated Everyone by the ESRB and no users have rated it yet.
Our newest cheats for NTRA Breeders' Cup World Thoroughbred Championships were added July 11, 2006. We also have the game available on Xbox, in addition to PS2.
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Lisa Kisiel, a case worker for the ASPCA's Cruelty Intervention Advocacy (CIA) program, first saw the two tiny kittens whose eyes were sealed shut. Just days old, they lay with their mother and three siblings atop a ragged cardboard box and empty bags of Meow Mix, confined to a filthy closet with another nursing feline and her brood of five.
Throughout the squalid apartment, 75 other cats, ranging in age from six months to 14 years, suffered from upper respiratory infections and intestinal parasites. They competed for kibble that was scattered on top of dirty linoleum flooring. They breathed in the stench of urine and feces 24/7.
"It was a very toxic environment," says Lisa. Following up on a neighbor's complaint, she assessed the situation and moved the case to the top of her priority list. She and the team removed the nursing mothers and kittens first, and the remaining cats on two other occasions.
"When they're so little, the chances of them coming out of such compromised surroundings and recovering are slim," Lisa says. "But I knew if we pulled them immediately, they would at least have a chance."
For four months, Puccini and Pierre, as they became known, and 13 others from the case were cared for by the Anti-Cruelty staff at the ASPCA Animal Hospital. According to Dr. Bonnie Wong, medical supervisor of the Anti-Cruelty group, they were treated for upper respiratory infections, ear mites, exposure to parasites and anemia, and kitten diarrhea. Warm compresses were applied to their sealed, swollen eyes and heat to their tiny bodies. Then, during Valentine's Day week, they were adopted by Suzanne G., a Manhattan attorney whose two senior cats passed away in 2013.
These days, Puccini and Pierre run on three speeds: "eating, sleeping or running," according to Suzanne.
Since 2010, CIA has intervened in more than 150 hoarding cases in the five boroughs, helping more than 4,000 animals. The team also links hoarders to social service agencies and other resources that provide appropriate human services.
"Building strong personal relationships so that we can do these interventions is key," says social worker Carrie Jedlicka, whose background, like that of her colleagues, is conducive to nurturing clients' trust. In this case, the client also received medical attention.
"What keeps us going is seeing the animals we rescue go on to happy endings like this," adds Lisa, who initially was not sure the fragile felines would survive. "We see them at their worst, and it's rewarding to see them at their best."
Want to stay up-to-date on the latest news from the Cruelty Intervention Advocacy (CIA) program?
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By the time Mojave was 5 years old, he had seen more than most cats will in a lifetime. Born into the home of a cat hoarder, the tabby spent his early years competing for basic necessities like food, love and attention. To make matters worse, he was suffering from a rare birth defect called eyelid agenesis, in which the eyelids do not form properly. Because of this condition, Mojave's eyes were in a constant state of irritation from dust, eyelashes and even hair. Two other conditions called entropion and distichiasis also contributed to the sweet cat's ocular distress. His future looked grim, to say the least.
But one day, everything changed: Mojave was rescued by the ASPCA.
At the ASPCA Animal Hospital, Director of Surgery Dr. J'mai Gayle addressed all three of Mojave's conditions in a series of carefully staged operations—one of which included the construction of completely new eyelids. It was a long road to recovery, but the extremely social and well-adjusted cat handled everything in stride. After healing, Mojave was quickly adopted into a loving home.
When you contribute to the ASPCA, you are giving animals like Mojave a second chance. Your support enables us to continue these life-changing rescues, surgeries and rehabilitations, and we—and the animals—would be lost without you.
Please make a one-time gift today. Together, we can help more animals see the world with eyes wide open.
When a four-year-old poodle mix named Fluffy arrived at the ASPCA Animal Hospital, doctors knew they were dealing with a very sick dog. Vomiting and straining to urinate, Fluffy was unhappy and visibly depressed. Surgeons decided to operate the following day—a decision that would prove more critical than they even realized.
Fluffy underwent a cystotomy, a procedure during which an incision is made into the urinary bladder to remove bladder stones. But what surgeons found was no ordinary stone: 2 inches long and 1.5 inches wide, the stone was "like a jumbo chicken egg," said Dr. J'mai Gayle, Director of Surgery.
As Fluffy's surgery was underway, doctors also discovered that pressure from the stone had caused her ureter (the tube from the kidney to the bladder) to rupture. Infected urine had spilled into her belly and formed an abscess, which Dr. Maren Krafchik had to clear out before the dog's kidney could be removed. No wonder the poor pooch was vomiting and feeling so ill! Despite the surgical trauma that Fluffy had been through, Dr. Janice Fenichel, who saw Fluffy on her arrival, said "she looked 100 percent better" as soon as she awoke.
While Fluffy is recovering nicely, we hope that her story serves as a reminder to all pet parents. "It is so important to get any medical problems checked out right away," says Dr. Amy Fox, Fluffy's operating surgeon. "The sooner we treat these problems, the better chance the animals have of making a full recovery."
Early signs of bladder stones include straining to urinate, blood in the urine, and frequent need to urinate. A pet owner noticing any of these things should take their pet to the vet immediately.
Fluffy's cystotomy and additional procedures were made possible in part by the ASPCA's Trooper Fund, a program in place to cover medical costs for animals whose guardians need assistance with veterinary expenses.
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By Dr. Louise Murray, Vice President of the ASPCA Animal Hospital
Pet owners want to provide their furry friends with a healthy diet, but all the available pet food options can be overwhelming at times. Here are some tips to help you select the right food for your pet.
It's helpful to read pet food labels before making a purchase. Here's what to look for:
- Make sure the food meets the standards of the Association of American Feed Control Officials (AAFCO).
- Review food ingredients and the order in which they're listed, since ingredients are listed in order of relative amounts. Feeding cats carbohydrates such as corn may lead to health issues including obesity and diabetes. Dogs are omnivores, like us, and as such are more nutritionally flexible.
- Foods labeled as gourmet, premium, or super or ultra premium are not required to contain higher quality ingredients, and are not held to higher nutritional standards; the term natural also does not have an official definition.
- When the label lists meat by-products, this refers to animal parts that we may not choose to eat but are not intrinsically unhealthy for pets. The term by-product meal refers to animal tissue that has been rendered, an industrial process converting slaughterhouse offal and deceased animals from various sources into a more stable material; some owners prefer to avoid foods containing meat meal.
Concerned pet owners can find more information about pet food and labeling at www.fda.gov/cvm or www.aafco.org.
If you prefer to make homemade food for your pet, read these helpful tips:
You can prepare healthy meals at home if you ensure that the diet is balanced for your pet's species, stage of life, and any health conditions. An unbalanced diet can lead to serious problems, such as bone fragility, heart disease, and blindness. Homemade diets must be balanced by a board-certified veterinary nutritionist. Pet Diets and Balance It provide helpful guides for at-home pet food preparation.
If you prepare food for your pet, ensure all meats are cooked properly. Raw meat can be contaminated with harmful bacteria such as E. coli and Salmonella, presenting a health hazard not only to your pet but to your family as well, and can be found in the stool of pets who consume uncooked meat.
Ever wondered why dogs and cats need different foods?
The nutritional needs of dogs and cats are very different. Dogs are omnivores and can do well on either meat-containing or vegetarian diets, while cats are strict carnivores with very precise nutritional needs.
Because their ancestors lived in desert environments, cats often don't drink enough and they produce urine with relatively little water in it. Therefore, it's a good idea to include moist foods in your cat's diet to help prevent the formation of crystals and stones in the urinary tract. Another characteristic of cats is that they can become seriously ill if they resent a food change or go on a hunger strike so any diet change must be made slowly and carefully. When switching foods, watch your cat's appetite closely, and never try to starve a cat into eating a new food!
Always be sure to check with your pet's veterinarian regarding the best diet for your companion, and discuss any special dietary needs your pet may have.
For more information about pet nutrition, check out our Pet Care section.
Every single day, ASPCA staffers have the privilege of meeting some of the most wonderful, spirited animals you could ever encounter. In fact, one of the hardest parts of our job is resisting the urge to adopt each and every one of them! But every now and then, we'll meet an animal that inspires us to throw that resistance out the window. Such was the case with our very own Dr. Colin Dwyer, DVM, and an abused Pit Bull named Zeus.
As a veterinarian for the ASPCA, Dr. Dwyer has seen his fair share of dogs. He's also seen his fair share of heartbreak. "I've met a lot of dogs that are ideal in every way, but that get ignored because they're too big, or are of a demonized breed such as Pit Bulls," he says. Determined to make a difference for one such dog, Dr. Dwyer waited patiently for the perfect fit.
In January, members of the ASPCA's Anti-Cruelty Group and the Adoption Center's behavior staff all recommended that he meet a dog named Zeus. "They knew my love for big dogs, and everyone in the hospital had fallen in love with Zeus while caring for his injuries," says the vet. The two were introduced, and it was an ideal match. "Zeus was the dog I'd been waiting for: a large Pit Bull covered in scars, but housetrained and as sweet as can be," he says. "He is one of the most affectionate dogs I've ever met—amazing given his history of neglect and abuse."
After adopting Zeus, Colin changed his name to Goose. He tells us, "Goose is adjusting well to our house, aside from shamelessly hogging the bed! He is quiet, cute, well-trained and also very playful." Everyone at the ASPCA is so happy for Dr. Dwyer and Goose, not only for proving that all dogs—including big ones, scarred ones and bully breeds—can make perfect pets, but also for demonstrating how lucky we are to work with these truly extraordinary animals every single day.
Do you have a Happy Tail you'd like to share? Email your story to firstname.lastname@example.com and we might feature it on the blog!
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A tanker truck is no more after it overturned and exploded in northeast Harris County.The accident happened around 8 p.m. Friday on Beltway 8 East at Beaumont Highway, according to Houston TranStar.The Harris County Sheriff's Office said the truck was carrying around 8,000 gallons of gasoline. The driver managed to get out before the truck erupted in flames.Firefighters and a hazmat team were called to the scene. All northbound lanes of Beltway 8 were shut down.
KRIV FOX 264261 Southwest FreewayHouston, TX 77027Phone: (713) 479-2801Fax: (713) 479-2859


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James Higginbotham, Distinguished Professor of Philosophy and Linguistics, has been named a fellow of the American Academy of Arts and Sciences, one of the world's most prestigious honorary societies. The USC Dornsife… more>
categories: research, faculty research
tags: american academy of arts and sciences, award, humanities, james higginbotham, linguistincs, philosophy
Want to do something positive for California? This Fall, USC students can take a course that asks this question, then gives them the tools to help bring the Golden State back to prosperity. The class,… more>
categories: undergraduate, research, undergraduate research, community engagement
tags: california, class, dan schnur, jesse m. unruh institute of politics, policy, social sciences
It was the sound of women's hands pounding on makeshift drums — pum-pum-pum-pum — from overturned washing basins that first caught Jordan Vieira's attention. Back home in California he began exploring… more>
categories: undergraduate, research, undergraduate research
tags: award, event, humanities, natural sciences, social sciences, usc undergraduate symposium for scholarly and creative work
For the first time, an active delamination of continental lithosphere has been found beneath the Colorado Plateau. Meghan Miller, assistant professor of earth sciences in USC Dornsife, and her team's discovery is… more>
categories: research, faculty research
tags: earth, earth sciences, meghan miller, natural sciences, nature, publication
In an excerpt from her poem "Twin Cities II," Carol Muske-Dukes writes: A single Mind, forever unable to refuse its overstatement: bloodOn snow, the gnawed bars of the trap, crack after crack In the courthouse… more>
categories: research, faculty research
tags: book, books, creative writing, english, event, humanities, los angeles times, poem, poetry
The 2011 Los Angeles Times Festival of Books comes to the USC campus on Saturday, April 30 and Sunday, May 1 to bring together the people who create books with the people who love to read them. Join faculty from USC Dana and… more>
tags: author, books, event, humanities, los angeles times, natural sciences, social sciences, writer
On March 23, 2011, USC Board of Trustees Chair Edward P. Roski Jr., President C. L. Max Nikias and Dean Howard Gillman presided over a spectacular ceremony including a stage set representing the archetypal USC classical… more>
tags: alumni, award, dornsife, event, gift, humanities, natural sciences, social sciences
Jennifer McCard and Alex Peterson's white stucco house is built into a red-earthen hillside. In the front yard, a swimming pool filled in with soil functions as a garden where they grow carrots, peas and… more>
tags: africa, alumni, environmental studies, international relations, natural sciences, rwanda, social sciences, travel
In corporate boardrooms and presidential state rooms lined with flags, Joe Cerrell confers with the world's most powerful leaders. As director of the Bill & Melinda Gates Foundation's new Europe office,… more>
tags: alumni, community, english, europe, health, humanities, philanthropy
When I graduated from USC in May 2001, my professors wished me luck as I embarked on a career with The Associated Press. They had prepared me for the crush of deadlines and the art of interacting with my editors. They had… more>
tags: alumni, humanities, journalism, writing


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Ursuline M. (Miller) Whitney was born Oct. 21, 1915, in Metamora, Ill., to John W. and Christina (Halm) Miller.
She was called home to be with the Lord on May 10, 2013.
She moved to Peoria at age 11 and graduated from the Academy of Our Lady in June 1933.
She moved to Sheridan, Ill., and was a bookkeeper at the Sheridan National Bank until she married Roy D. Whitney, Feb. 7, 1937, at St. Mary's Cathedral Rectory in Peoria.
Son David L Whitney was born Oct. 29, 1938. Daughter Patricia Ann Whitney was born Sept. 12, 1942.
Ursuline worked with Roy at Alexander Lumber Company in Sheridan from 1947 until they both moved to Aurora in 1968 to work at the District Office until they retired in 1974. They moved to Mineral Wells Dec. 13, 1974. Ursuline was a member of Our Lady of Lourdes Catholic Church where she and Roy volunteered on many church and community projects.
She is preceded in death by her parents; two brothers: John A. and Henry A. Miller; five sisters: Agnes Gordon in Illinois, Mary WeIte in Wisconsin, Dorothea Miller in Illinois, Constance Drake in California, Joan (Miller) Flanigen of Annapolis, Md.; her daughter, Patricia Ann (Whitney) Mietzner of Arizona. She is survived by her son, David L. Whitney, and daughter-in-law, Annette L.(Carroll) Whitney, of San Antonio. She has six grandchildren, nine great-grandchildren, and numerous nieces and nephews.
Funeral services will be Wednesday, May 15, 2013, at Our Lady of Lourdes Catholic Church Chapel. Visitation will be 6-8 p.m. Tuesday at Baum Carlock Bumgardner. Recitation of the Holy Rosary will be at 6:30 p.m. Tuesday during the visitation.
Condolences may be left at www.bcbfuneralhome.com.
Baum-Carlock-Bumgardner Funeral Home


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View the article online at http://citywire.co.uk/new-model-adviser/article/a637015
Osborne faces calls for pension tax overhaul
by William Robins on Nov 26, 2012 at 08:33
Chancellor George Osborne should use the upcoming Autumn Statement to introduce sweeping reforms to the pension tax relief regime, the Centre for Policy Studies has urged.
The think tank has called on Osborne to make a series of dramatic changes, including combining the contribution limits for ISAs and tax-relieved pensions, and capping it at between £30,000 and £40,000. Osborne is due to deliver the Autumn Statement on 5 December.
In a paper written by independent pensions expert Michael Johnson, the think tank also called on the government to replace the 25% tax-free lump with a 5% top up of pension pot assets, paid prior to annuitisation.
Johnson argued the abolition of higher-rate pensions tax relief would pay for the ISA subscription cap to be raised from the current £11,280 to £30,000 or £40,000. He said the move would put pressure on pension providers.
'The pensions industry would then need to refocus on delivering high quality asset management of (long-term) savings, the word "pension" having been consigned to history,' he said.
Tom McPhail, Hargreaves Lansdown head of pensions research, said he was in favour of linking ISAs and pensions but not of increasing the ISA allowance if it negatively impacted pensions.
'Increasing the amount that can be put in an ISA makes it easier to put money away, but not for retirement purposes, and there would be a risk the money would not be there when people needed it,' he said.
Johnson (pictured above) supported his call to scrap the lump sum with research from provider Prudential which showed 10% of those who had taken the lump sum regretted doing so.
'People are increasingly questioning the wisdom of having taken the lump sum and spending it, perhaps frivolously, not appreciating at the time the corrosive impact that this would have on their retirement income,' he said.
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42 comments so far. Why not have your say?
Nov 26, 2012 at 08:45
Remind me why I bothered passing R04 earlier this month?report this
Nov 26, 2012 at 08:49
So the current ISA subscription cap is £10,500? Does nobody double check before printing these articles?
"Research showed that 10% of those who took the lump sum regretted doing so" - meaning 90% did not regret it. Why is this a reason to consider scrapping the lump sum benefit?report this
Nov 26, 2012 at 09:01
What a great way to encourage pension saving!report this
Nov 26, 2012 at 09:03
@Solomon spot on!..... so 90% want their tax free cash and some idiot considers aboloshing it. Who do these people think they are?report this
Nov 26, 2012 at 09:08
Many people will be dismayed by yet another change to pension rules.
Of course there will be need for complicated transition rules for those who had a specific plan for the PCLS. e.g. clear debts.report this
Nov 26, 2012 at 09:10
We start the week again with a feature on pensions. The problem here is that nobody really knows what to do about them and it is this very uncertainty that acts as a disincentive.
To meddle with the tax-free lump sum on existing pension funds would be retrospective taxation.
I will be encouraging my young son to build his own portfolio. Putting money into pensions is the easy bit, getting it out without knowing when and at what tax rate is impossible.report this
Nov 26, 2012 at 09:11
The vast majority of people take their 25% lump sum as they have paid (or waited) for years to get it. The fact that it is tax free is a bonus. Why should someone be forced to take it all as income and which is taxable.report this
Nov 26, 2012 at 09:12
Haven't they realised that the constant tinkering with the rules & regulations surrounding pensions is one of the main reasons people decide not to save? Stop trying to change things so frequently & allow individuals to plan, for heaven's sake.report this
Nov 26, 2012 at 09:15
Presumably those with pension mortgages would use their increased annunity income to service their mortgage debt until death or their home is repossesed, whichever comes first?!report this
Nov 26, 2012 at 09:15
As much as I rated this paper (when it was published this summer) this was one aspect I did not agree with. The paradox with pensions is that funds are locked away largely for the investors' own good - given access to it too many people would withdraw the lot after a perceived poor return, spend it and having nothing to show for it at retirement.
The rest of the paper has some very good ideas and I recommend the powers that be within the industry give some serious thought to them, just not necessarily the one in this article.report this
Nov 26, 2012 at 09:30
@ Harriet - because it is the easiest 10 diploma credits an adviser will ever earn? It's not as if all existing pensions will suddenly become ISA's is it? If anything, your knowledge of a legacy product will make your expertise very sought after.report this
Nov 26, 2012 at 09:35
Have the even thought that many professional people took out mortgages in the 1990's with the intention of paying them off via their PCLS at retirement, Remove the PCLS facility and that would have serious implications. Twenty more years of mortgage interest payments with varying interest rates attached!!!.
Also, if no PCLS, many investors would probably decide to fund ISA, rather than pension.
Have these people ever considered that the bulk of the UK population does not have £30,000 surplus income to squirrel away each year - they do not even earn that.
Typical - totally out of touch with the man on the street.report this
Nov 26, 2012 at 09:37
Another week, another idiot, though this one popped up last week as well. Lovely cardigan he's wearing too. Speaks volumes.report this
Nov 26, 2012 at 09:37
What a great way to encourage the population to stop their reliance on state pensions and benefits. Stop giving incentives to save into pensions and stick all your money in ISA's which can be accessed at any time, at any age, for any purpose. Great outside the box thinking there.
If the government truly want to save tax short term, why don't they encourage the wealthy to pay more into the pension pots of children and grandchildren whilst reducing contributions to their own pots, by increasing the amount from a measly £3,600 each year? The reduction in the lifetime allowance would be easier to swallow if BRT relief was still on offer for this type of contribution up to, say, £10,000 per year.
Future generations are already going to suffer enough for the mess we've left them, so let's give them something back!report this
Nov 26, 2012 at 09:58
Come on, it is time they changed the Pension rules again. I have almost got up to speed on Pensions Simplification and if they change things now I can forget having to try and learn the subsequent changes and concentrate on the new rules.
I have been in the industry 36 years and the only thing that is conisistent about successive Govt's is that they always mess up Pension legislation.report this
Nov 26, 2012 at 10:05
Why not cap tax free cash amount at say £150,000 (or some reasonable figure & no I have not done the calculation!) leaving the rest to purchase an income & thus garner tax receipts that way? - How does cutting the allowable contribution encourage saving for retirement.
Cutting tax relief to help ISA limits makes little sense as income from ISA's is tax free? So no gains for the Govt coffers there?
The net result of continual changes to pensions, legislation and regulations is that more people will have less in retirement.
Encourage saving for those that don't - Don't penalise those that do!report this
Nov 26, 2012 at 10:17
Harriet - remind me why anyone bothered passing ( or taking ) any financial services exam - as the Gov't and their quango the FSA - insist on putting in place - regulation at huge costs and then jump on the Boards with huge salaries. They then change the rules, so that your exams become redundant. Universities are losing potential students, students are paying huge amounts of money taking outvast loans on tick and credit parents are mortgaging themselves up to the hilt p oensions simplification is here - auto enrolment ( The Peoples Pension ) is here - and Islington council are using theri pension fund for investing in " Residential Property " according to the FT today. Now what was. . . . , the reason for taking exams ? . . . credibility ? honesty ? trustworthyness ? competence ? none of which will apply to the next range of products.report this
Nov 26, 2012 at 10:28
I think this paper has lots of merit. The figures are not good reading in terms of value for money for government investment or the majority of people needing a pensions benefit it seems. For saving proposals to work properly, a long term view must be taken. I think the move to stop lump sums is correct and to ban higher rate relief but matching with real incentive for basic rate tax payers, ie 30% relief for all and encouragement of family planning.report this
Nov 26, 2012 at 10:29
Let us be totally honest about this.
People on the average or below average wage after paying off student loans, buying a house and furnishing it, buying a car, bringing up a few children can not afford to put meaningful amounts of money into a pension plan. These people make up the vast majority of our population. Politicians, actuaries and economists are just going around in circles and avoiding the central issue. For years the system has been giving huge tax reliefs to the better off and those working in government organisations or fortunate enough to be in good final salary schemes who are the minority.
The better off do not need encouragement or help to save for retirement or anything else for that matter. They have plenty of surplus income with which to do it. The less well off, the vast majority of the populattion, are the ones who need the encouragement and help.report this
Nov 26, 2012 at 10:33
What a terrible idea.
I am one person who intends to use mine and my wife's PCLS to pay off our mortgage, when the time comes.
ISA's are great, but as has been stated most people don't have more than £10k left sitting around each year to make use of the current allowance. Although of course I'm not sure the Tories are aware that the general public don't have huge slush funds left by daddy-kins and £60k plus wages.
Out of touch? they've lost the use of their fingers.report this
Nov 26, 2012 at 10:34
The lack of consistency in thought processes is hard to believe. the tPR and Steve Webb amongst others were concerned that if individuals were given cash in an Enhanced Transfer Value exercise it might influence them to make poor decisions.
Well the difficulty here is that these poorly thought through proposals do exactly the samereport this
Nov 26, 2012 at 10:39
Even the last Labour government didn't lose credibility as fast as this one has.
They were clueless and this one is inept, What next??
The "young generation" are borrowing off their parents to maintain their lifestyles with no intention of ever repaying the debt. This Government is "taking" from everyone so that their banker chums don't suffer. Find a way of extracting more from pension, more from motorists and in fact more from everyone who pays their taxes on shore.
What a circus this country has becomereport this
Nov 26, 2012 at 10:40
I think Tony Wickenden's quote in support of the abolition of Tax Free Cash omits the very wise words of Nigel Lawson who described this anomaly as "much loved"! Remove it at your political peril - as has already been pointed out for every person who regrets taking the money there are nine that don't! As they say in the USA - "Do the Math".
More tinkering with reliefs and allowances will reduce further the public's inclination to save in pensions and with the threat of dire annuity rates for many years to come thanks to Q E who in their right mind would not take their PCLS unless they were fortunate enough to have an attractive Guaranteed Annuity Rate attached to their pension.report this
Nov 26, 2012 at 10:48
We take the bait again. Line hook and sinker!report this
Nov 26, 2012 at 10:54
The bottom line is that th UK cannot afford the current benefit system and that includes state pension. Decisons made have minimal to do with ensuring people have sufficient income to live on in retirement (they cannot be, as everyone has discretion to spend their income as they wish - and millions earn nothing). Decisions are based on what the country can afford and how much they need to 'rake in' in tax to pay for it. Our NI and tax just goes in and out 'hand to mouth' to cover expenses.
The only way to help fill the void is to raise taxes or reduce the amount of relief given - and probably both. I personally would not mind paying more tax, providing that 'any' Government did not waste it. I would also be happy to pay a token amount each time I went to the GP or to Hospital to help the NHS. Lets face it, the Govt are totally out of touch with reality of peoples everyday lives. Stick each one of them in a situation whereby they and their families have to survive on £20,000 a year in a regular home in a regular street in the UK and make them work one day a week in a 'normal' job. Leave them for 1 year and let us see how much they manage to save for retirement then.
Its about time we had politicians who were 'normal' people, a Govt who 'held back' funds to help its own people and not give bucket loads to other countries, improved education for all, jobs NOT created abroad at the expense of jobs at home for own people.
You cannot force people to save for retirement when they cannot feed their own families NOW. If you take away PCLS less people will save into pension plans. NEST will not improve matters in the longer term it will simply potentially take people out of benefits by giving them a meagre boost to income - they will then be worse off potentialy as they will not be able to take advantage of other associated benefits that may have come their way. All you are doing is lining the pockets of the people in charge -and they are sitting back laughing all the way to the bank.report this
Nov 26, 2012 at 10:55
Looking beyond the smoke and mirrors and the remit given, the "Think Tank" suggestions suggest that the current UK financial position is far worse than the government would wish the general public to know. The obvious needs to address our situation would not secure votes for the Government to be re elected at the next general election. So as illogical as these measures are for the long term interest of the country its votes that count.
There is a desperate need to be inventive around the area of later life financial needs and accumulated pension funds. The trick is to keep both the incentives for accumulation, deliver additional tax revenues to combat today's crisis with the insight to address the time bomb demographics of 2025 and beyond.
Sadly the RDR has diverted the best minds and resources of the financial services industry to a raft of FSA overstated consumer priorities.report this
Nov 26, 2012 at 11:00
How about you deal with the extremely generous public sector DC scheme's and we will all be better off before you start attacking those people who aren't costing the country billions. Think there was figures quoted of saving of 7bn before the govt backed down as usualreport this
Nov 26, 2012 at 12:11
Spot on Simon. Come on politicians lead by example. Stop membership of your expensive final salary pension. What's good for the goose and all that! That would save a packet. Then what about the final salary scheme at the FSA. You should all join NEST because if you say this is good for the workers then it has to be OK for you lot because you're the ones saying " we're all in this together"?report this
Nov 26, 2012 at 12:12
I've never understood why people need a lump sum so much when they retire that taxpayers give them a subsidy to save up for it. Why should people pay more basic rate tax, VAT etc, so some people get a nice tax free lump sum?
Including the lump sum with the pension also creates financial planning problems, particularly for investment linked schemes. If somebody really needs a lump sum of a particular amount, they are forced to de-risk the whole of their pension pot, and that may not be the right thing to do. We all know that you invest money in a different way if you are saving up a lump sum than if you are saving up for income. So, if you are going to present richer people with a taxpayer subsidised lump sum, then it should be held in a separate plan to the income for retirement.
I accept that it would be unfair to take away the lump sum retrospectively, but there is a lot of sense in removing it for future contributions.report this
Nov 26, 2012 at 12:33
If the govt were to remove the PCLS (I still call it the Tax-Fee Cash Sum) at a stroke, it would be the worst possible piece of retrospective legislation. No doubt the politicians would find a way to exclude any such rule from their own gilt edged, gold plated pensions that you and I pay for. (Incidentally - the IFA sector also pays for the FSA's Gold plated F/S Scheme).
So 10% don't care about giving up the TFCS? They are probably all in F/S schemes where the commutation rate for the PCLS is rubbish!!!report this
Nov 26, 2012 at 12:33
If there were no pcls, tfc, or whatever it is going to be called next, there would be few takers for any private scheme.
The best way that the Gov't could induce people to take out private pensions would be to tax the funds throughout their currency, but then give tax-free INCOME to matured plans. Then people would save in pensions, and HMRC would get tax-revenuereport this
Nov 26, 2012 at 12:34
Dear Mr Wise . . . the availability of a tax free lump sum from the age of 55 onwards provides an additional incentive - to assist with the opportunity of building up a fund of money to assist with income in retirement. It can be used to repay a mortgage loan, or buy a yacht, a car or for an expensive otherwise unachievable holiday. It is like a bonus at retrement for all those hard yearsof work, to promote saving - in a tax effieint way. with the conservative coalition gov't considering removal of Higher Rate Tax on contributions - the £ 500M defict in council pension scheme reported in the FT today - the destruction of Trust in Pension Schemes and their Trustees e.g Scottish Widows and Aegon - it is most understandable that people do not trust their life savings to such abhorent, unnecessary and evil Trustees.report this
Nov 26, 2012 at 13:09
Is this a psychological trick? Think tank talks about outlawing lump sums so when the debate moves towards a negotiated solution we all accept that lump sums remain, but become taxable?
Leak out the worst possible news then backtrack so anything less is a welcome relief. It happens in every budget these days.report this
Nov 26, 2012 at 13:16
But it's not a very good incentive, and it creates problems with asset allocation for pensions, and it encourages people to place money with those trustees you dont like.
It's also outdated - it's rare, in my experience, for clients to want the lump sum at the same time as the income; the lump sum causes particular problems if people want the income, but dont want the lump sum for a few years.report this
Nov 26, 2012 at 13:39
This gets churned out year after year after year.
Perhaps the government would like to stop people paying into personal/money purchase pensions altogether?
They would then get more tax receipts but nobody would save much and it would be Dave's £140 old age pension for all.
All that money going into pension funds would grind to a halt and markets would collapse.
The economy would go down the pan as the ageing population spends less and less in retirement and so it goes on.
Stop meddling!report this
Nov 26, 2012 at 13:55
The way annuity rates are going, anyone earming a normal salary and retiring in 20 years time may as well accept that they will get 'very little' for their hard saving over the years.
Perhaps GIdeon would like to consider 'means testing' the state pension and remove all higher rate relief on pensions.report this
Nov 26, 2012 at 14:48
Pensions in this country have reached crisis point and the fundamental reason is the constant tinkering of the rules by successive governments.
The Tax simplification of pensions in 6 April 2006 was supposed to introduce greater transparency, understanding and certainty and the opposite has happened since that time.
Constant changes to the Life Time Allowances, reductions in annual allowances gaining tax relief, rumours of the removal of tax free cash on retirment.
Why oh why can they not leave pensions alone, it has to have stability and certainty otherwise people will simply not invest and more and more people will become dependent on the state or live an impoverished existence in retirement.
It is undoubtedly the biggest scandal in a modern society where people simply do not know what they will or will not be able to do as they save for their retirement.
A disgrace!
Davidreport this
Nov 26, 2012 at 15:08
In my experience running an annuity service lots of people do want the tax free lump sum to spend and/or generate other, perhaps more tax efficient, income streams and keep control of their own capital (not yet a 'capital crime' I hope).
Let's face it with this subject coming onto the agenda twice a year if you had any intention of taking it in the future you'd need to think long and hard about delay with all this apparent uncertainty.
On the broader subject of the paper there are one or two good ideas but rather than taking a 'blank sheet' approach the author seems to have concentrated on overcoming some, possibly rather ephemeral, perceived objections to pensions and a healthy dose of industry distaste in his proposed solutions.
It doesn't seem any less complex to me, rather the contrary, but no doubt the paper will appeal to some hardy souls who won't have to worry about it's repercussions anyway.report this
Nov 26, 2012 at 15:21
Doubtless, by spending their capital in this way, they too are "tax avoiders" and should be pilloried by the holier than thou members of select committees!report this
Nov 26, 2012 at 15:38
The financial world seem to be spinning at an ever faster rate. Whatever happens in the Autumn statement it could all be changed next year. This is not conducive to financial planning.report this
Nov 26, 2012 at 17:48
Off plan property in Spain anybody ?report this
Nov 26, 2012 at 17:59
"Johnson (pictured above) supported his call to scrap the lump sum with research from provider Prudential which showed 10% of those who had taken the lump sum regretted doing so."
Does that mean that the other 90% had no regrets whatsoever??report this
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Tarleton State Bands
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Dr. Gary Westbrook, Conductor
The Symphonic Band is under the direction of Dr. Gary Westbrook, Associate Director of Bands.
Symphonic Band membership is open to all Tarleton students, with permission of the director. The Symphonic Band meets during the Spring semester on Mondays, Wednesdays and Fridays from 11:00 AM - 12:00 PM.
The Symphonic Band performs at least twice every spring semester.
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NATS singers, TSU Chamber Ensembles (Flute Choir, Horn Choir, Brass Ensemble, Clarinet Choir, Men's Ensemble, etc.) and the University Symphonic Band
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The TSU Symphonic band has been invited to participate in the 2012 Invitational Band Festival. The band will perform a concert as part of the festival. The band will also receive comments from the esteemed panel of clinicians and Guest Clinician Frank Ticheli will provide additional feedback to the band following the Invitational performance.
Symphonic Band and Jazz Ensemble II in Concert - Monday, April 16 - 7:30 PM
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LAKE WYLIE The Rotary Club of Lake Wylie has awarded Clover High School junior Nicole Huhnke with a Rotary Youth Leadership Award for her outstanding leadership and commitment to community service.
Students who receive the award participate in a weeklong motivational, leadership training, and free enterprise seminar at Erskine College in June.
One of the great benefits of attending RYLA is the personal growth and development through interaction with both peers and outstanding business, political and community leaders, said Chad Bordeaux, president of the Lake Wylie club.
Huhnke has been a member of the Clover High School Interact Club for two years and hopes to serve as a club officer next year.
Through the RYLA experience, I feel I could bring back many new ideas for upcoming years in Clover, Huhnke said.
Interact is Rotary Internationals service club for youth. The Clover High School Interact Club - co-sponsored by both the Lake Wylie and Clover clubs - has 283 students and is the largest club in South Carolina. It recently won two awards at the state Interact Conference for Best Cooperative Project for joining Lake Wylie Rotary Club at Riversweep and Service Before Self Award for the Christmas party it coordinated for the Childrens Attention Home, a joint effort with Lake Wylie and Clover Rotary clubs.
For more information about Lake Wylie Rotary Club, visit lwrotaryclub.org.
Choraliers' candlelight concert May 16-17
CLOVER The Clover High School Choraliers will present its Candlelight Classics concerts at 8 p.m. May 16- 17 at First Presbyterian Church, 1621 E. Garrison Blvd., Gastonia.
Tickets cost $10. Call 803-327-1768.
Service scholarship winner to be announced
LAKE WYLIE Lake Wylie Rotary Club will announce finalists for the Spirit of Service Scholarship Award on Friday, May 4.
Applications were due today at Good Samaritan United Methodist Church, 5220 Crowders Cove Lane, Lake Wylie.
The scholarship recognizes high school seniors in the Clover School District who have demonstrated exceptional commitment to community service through hours of volunteering and dedication to their chosen service. Top award is $2,000.
The top applicants will be invited to present a five- to seven-minute information session May 19 to the Rotary Club about their volunteer work, and why they chose to commit their time to these efforts.
Farm Bureau offers scholarship
YORK COUNTY York County Farm Bureau offers a scholarship to a student pursuing a higher education in agriculture or in an agriculturally-related field.
Applicants must have completed a first semester at a four-year school of higher education. The amount of the scholarship awarded will be $1,000 annually, to be awarded $500 each semester with the check payable to the institution and the student.
This scholarship will be awarded to a resident of York County based on character, demonstrated leadership abilities, and dedication to agriculture or a related field.
Applications for this scholarship should be picked up and returned to York County Farm Bureau no later than June 14. Call 803-684-4235 for more information.


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O'Connor signs for his 15th year at Griffin Park, and Bidwell's stay is extended
5:20pm Thursday 7th March 2013 in Sport By Stuart Amos
Brentford skipper Kevin O'Connor, who is nearing a return to fitness from a long term ankle problem, had signed a new one year contract to run until the end of next season – his 15th as a professional at Brentford.
The 31-year-old, who recently returned to training with the squad, has made 484 appearances for the club in all competitions – scoring 43 goals.
And Bees boss Uwe Rosler, who expects striker Farid El Alagui to return to the starting line-up soon, hopes he adds to that tally.
"It was very important for me to keep Kevin on board and important to give him the chance to come back from his injury," added the manager.
"We have a very young squad and need experience. Kevin brings that in abundance.
"He can play in different positions for us. He is only 31 years old and is still a good football age. Medically there is no problem for the future."
Rosler has extended the loan deal of 19-year-old Everton defender Jake Bidwell on Wednesday to keep him at Griffin Park until April 6.
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Hard finding any thanks to being a private school.
What school-provided transportation that exists is usually used only for taking the Latino students to Walmart.
Drug Safety:
There is no big drug addiction at clarksville. There is a bit of a drinking problem but that it.
Campus Strictness:
Our campus is strict against drugs and underage drinking. U of O is a alcohol free campus and first time offenders gets a letter sent home and a warning. Second time offenders get fined and third timers get sent home. It is serious if you get caught, so in other words just don't do it.
At the university of the Ozarks it is like a small family and there is a ton of different races and religions. There is a great comprise and has a wonderful mood about the place.
Overall Experience:
If you are interested in attending a small, private university with excellent academics and a great support network, this is the place!
The professors are great. Some are harder than others but at a school like Ozarks when you are encouraged to push past your comfort zone and do the best you can, it's nice having a professor that is also a good friend. They have a great open door policy and are truly dedicated to the students success inside and outside of the classroom.
There are many students from different countries, ethnic origins, religious background and sexual orientation. The campus has an overall positive feeling for individuals from all backgrounds.
The campus isn't too big so there is always a spot somewhere within decent distance to any building.
Off-Campus Dining:
There are a few inexpensive options around campus. The great thing is that most of the restaurants are very accomodating to students. It doesn't take long to drive to nearby Russellville where there are lots of options.
There has always been plenty of parking available on campus, though it may not be in the most convenient spot (you may have walk across campus or up a hill to get to class).
Health & Safety:
The campus takes pride in being a very safe place to live, and I've never once felt unsafe here. Security is available 24/7, and the protocols for campus emergencies are widely publicized.
Off-Campus Dining:
For a small town, the off campus dining options are pretty good.
Health & Safety:
I feel safe on campus, but since its an open campus, there are sometimes people that arent students around, but they are not a threat
Local Atmosphere:
Clarkville is really small but it close to Fort Smith. If you wanted you could go there to have fun.
They are good for doing simple papers but closer to finals alot of the computer seem slow and not many are open to use.
No Clubs – There are no clubs in the area but alot of house parties
Campus Dining:
Eagle's Nest – I love going to the Eagle's Nest because an old friend of mine who used to be my assistant in elementary school now works there so seeing her is fun.
Local Atmosphere:
Average Town – There's really not much to do here unless you go looking for things to do. There's a walking trail, several restaurants with several ethnicies to choose from, all the basic discount stores (Fred's, Family Dollar, Dollar General, Dollar Tree), Wal-Mart, Stage, Factory Connection, Hibbett Sports, and a decent movie theater if you're bored. You just have to go looking for things to do.
Personal Computer a Must! A personal computer is a must but that's a plus because you're not stuck n a packed library or student center with a bunch of noise when you're trying to study.
Storms throughout the year as it typically does anywhere else but not much snow, well not over the last few years. Been in an excessive drought since May and it's finally stormed most of the evening tonight. No real spring or fall seasons with living in a valley, it's either too hot or too cold.
Campus Dining:
The food here is not great. It used to be worse but it has improved a bit. There is a lot to choose from but it's not great and sometimes it's really terrible. There is a on-campus cafe that's open when the caf is not, but it's really expensive. So if you're broke and you miss dinner, better go mooch off your roommate. That or starve.
We have LOTS of foreign exchange students from Central America. However, the vast majority of the student body is comprised of white people.
The climate in Arkansas is pretty mild. Sometimes it snows in the winter, and every now and then it rains pretty heavily, but for the most part, it's sunny and a bit humid. The weather hardly ever affects classes, unless it snows a lot. The dorms are close to the class buildings so even when it's raining, traversing campus isn't a big deal. Just make sure you buy an umbrella.
I think there is one bar. Just one. And it's 21 and up. There are a couple guys that throw parties on a regular basis and they're alright if you're interested in drinking, but it's "bring your own beer" so if you're underage, good luck. That's about it. Not even the fast food restaurants stay open late. It sucks!
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Written by Caitlin Lambert
The University of the Ozarks has an excellent, top-grade, and awesome education. The University is different from any other school you'll ever visit. Academics is number one, and extracurricular activities come second. The workload may be intense and massive, but the teachers push the students to their absolute potential. Everyone wants each person to succeed. By the time the students graduate, they are properly prepared for graduate studies or the professional workforce. The social networking system at the University is essential, as it is important for students to connect for future job references that could possibly help them with job opportunities later on. Internships are vital to some majors, and professors continually encourage students to apply for internships, summer jobs, or study abroad programs. Professors perform their job, help students within and outside their majors, and constantly promote the University.
The help students receive at the University of the Ozarks is unlike any other. Through the JLC (Jones Learning Center), students with learning or physical disabilities are assisted with homework, while the SSS (Student Support Services) lab and the ACE (Academic Center for Excellence) lab also provide help for students. The Career Services office offers students resume assistance, job finding skills, tips for better interviewing, reading materials about current jobs, and job and internship search websites. Overall, the University promotes success and gives students so many opportunities to succeed. However, attending U of O takes passion and a lot of determination for students to prosper and grow in their education.
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