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Dinner at Jack and Barbara's house a bonding moment for U.S. Ryder Cup team
Plenty more to come in my Saturday morning column at mypalmbeachpost.com but here's a quick taste of the hot topic from the Honda Classic's second round.
At the invitation of Jack and Barbara Nicklaus, U.S. Ryder Cup captain Davis Love III and some other people you may have heard of, like Tiger Woods and Phil Mickelson, got together for dinner on Thursday night.
Signage for the 2016 Ryder Cup at a press conference to announce Davis Love III as the 2016 Ryder Cup captain at PGA of America Feb 24, 2015, in Palm Beach Gardens. (Bill Ingram / Palm Beach Post)
The gathering was at the Nicklaus home in North Palm Beach and the idea was to a little Team USA bonding prior to the 2016 Ryder Cup matches in September and October at Hazeltine. Europe has won far too many of these competitions for anybody's taste, so Love got Jack's help in starting the adrenalin engine a little early for guys who have played in the Ryder Cup and rising young stars who have not.
There can only be 12 players on the U.S. team, so about half of the players at the dinner won't make it. Didn't stop anybody from wanting to be there, however, listening to Jack tell his stories.
Tiger, still rehabbing from multiple procedures on his back, made the drive down from Jupiter Island. He's a vice captain with hopes that he might be back playing later this year.
Another vice captain, Jim Furyk, came from Jacksonville. Another, Tom Lehman, flew in from Phoenix. Dustin Johnson, who is skipping the Honda Classic, showed up. Jordan Spieth, who is not playing in the Honda, was one of the few notables who did not make the pilgrimage to Jack and Barbara's house. Rickie Fowler tweeted out a photo of himself eating ice cream with Nicklaus.
"We asked Jack questions and yes, he held court," Love said. "We asked about preparing for major championships and about being nervous, how he handled pressure, things like that, and just him telling stories.
"His memory is just phenomenal. He remembers every shot, every hole, every situation that he was in, and he's always honest, whether it's about how well he played or how poorly he played."
Many of Team Europe's leading stars are in the Honda and playing well, as usual. One of them, defending champion Padraig Harrington, was unfailingly honest, too, when asked about the Ryder Cup vibe and the U.S. longing to get a better handle on it.
"We have made the U.S. guys care, and they really care," Harrington said after shooting a Friday morning 68. "I saw the guys after the last loss. The older guys were seriously devastated. I can't tell you how much you could see the devastation of losing. It is a huge deal to Phil and Jim Furyk and guys like that. Wow, were they cut up about losing."
Sounds like another great Ryder Cup showdown coming up, with dinner at Jack and Barbara's as the appetizer.
Author Dave GeorgePosted on February 26, 2016 February 26, 2016 Categories Dave George, UncategorizedTags Dave's Digital Domain, Davis Love III, Honda Classic, Jack Nicklaus, Padraig Harrington, Phil Mickelson, sports, sportsfront, Tiger Woods
No first-round leader has ever won Honda Classic at PGA National and one of them missed the cut
Jim Herman of Palm City was the first-round of the Honda Classic last year with a 65 but finished tied for seventh, three shots out of the playoff between Padraig Harrington and Daniel Berger. (Richard Graulich / The Palm Beach Post)
There were three 67's in the morning group Thursday and there may be better scores in the afternoon, but no guarantees ever come with the Honda Classic first-round lead.
Matter of fact, no Thursday leader has ever won the tournament since the Honda moved to PGA National in 2007. Rory McIlroy and Luke Donald came closest, with each playing to runnerup finishes.
Camilo Villegas is the saddest story of all. He opened with a 64 to take the first-round lead in 2013 and missed the cut with a second-round 77.
It's a major challenge stringing together subpar rounds on the Champion. Last year Padraig Harrington was the 36-hole leader but shot a 71 on Saturday to fall three shots behind 54-hole leader Ian Poulter. Eventually Harrington won the tournament in a playoff with Daniel Berger, but an even-par 70 is all he could manage in the final round.
Here's a chart of Honda first-round leaders over the last nine tournaments and how they finished.
Yr Player 1st Rd Finish Winner
2007 Charlie Wi 65 T13 Mark Wilson (1st-rd 72)
2008 Luke Donald 64 2nd Ernie Els (1st-rd 67)
2009 Robert Allenby 66 T5 Y.E. Yang (1st-rd 68)
2010 Michael Connell 65 T6 Camilo Villegas (1st-rd 66)
Nathan Green 65 T12
2011 Spencer Levin 67 T14 Rory Sabbatini (1st-rd 71)
2012 Davis Love III 64 T21 Rory McIlroy (1st-rd 66)
2013 Camilo Villegas 64 MC Michael Thompson (1st-rd 67)
2014 Rory McIlroy 63 T2 Russell Henley (1st-rd 64)
2015 Jim Herman 65 T7 P. Harrington (1st-rd 67)
[An educated guess at the winning score in this week's Honda Classic]
[Dee Gordon brings the most momentum into Marlins' spring training camp]
[Dolphins thought they had their very own Von Miller when they drafted Dion Jordan]
Author Dave GeorgePosted on February 25, 2016 February 25, 2016 Categories Dave George, UncategorizedTags Camilo Villegas, Honda Classic, Padraig Harrington, PGA Tour, Rory McIlroy, sports, sportsfront
What will be the winning score at the Honda Classic?
Only four men have ever pushed their 72-hole scores into the double digits under par since the Honda Classic moved to PGA National in 2007.
It's that kind of course, and PGA Tour officials set it up in that kind of way.
2010 Honda Classic champion Camilo Villegas lines up a putt during the final round of the tournament on the way to a 13-under-par 267. (Palm Beach Post photo by Alan Eyestone)
So what should we expect to be the winning score this week, remembering that par on the Champion is 70?
There are some clues.
Six-under 274 got Padraig Harrington and Daniel Berger into a playoff last year, but that wouldn't have good enough most years.
The average score to win or at least qualify for a playoff in Honda Classics played on the Champion course is nine-under 271.
What really tells the story, however, is the weather. When the wind is blowing hard from the east, like it did in 2011, that's big trouble for everybody everywhere, but especially on the Bear Trap.
That year 65 balls wound up in the lake at No. 17 alone, which amounts to 15 percent of all shots made there. No other par-three on the PGA Tour had that many splashdowns that year.
[Honda Classic spectator's guide]
[Full schedule of events for 2016 Honda Classic]
[Here's a quiz to test your knowledge on the Honda Classic]
Since the forecast this week is generally mild, I'll predict a winning score of 10-under. Don't know whether anyone will flirt with a record single round, like the 61 that Brian Harman shot in the second round of the 2012 Honda, but it figures that somebody can string together some 67s and 68s.
Here's the list of those who got it to double digits here and how they finished.
Name Yr Score Result
Camilo Villegas 2010 -13 Won
Rory McIlroy 2012 -12 Won
Tiger Woods 2012 -10 T-2nd
Tom Gillis 2012 -10 T-2nd
Villegas played great, of course, and won by five shots, but he had the best of it with the weather. Four days of decent springtime weather, with the most blustery day in the third round with 12 mph winds gusting to 22.
Author Dave GeorgePosted on February 25, 2016 February 28, 2016 Categories Dave George, UncategorizedTags Camilo Villegas, Dave George, Dave's Digital Domain, Honda Classic, PGA National, Rory McIlroy, sports, sportsfront, Tiger Woods
National baseball award winner Dusty Rhodes always kept Palm Beach County kids first in mind
Been trying to catch up to Dusty Rhodes for a long time now, ever since the news broke that he was the 2016 winner of the prestigious Lefty Gomez Award presented by the American Baseball Coaches Association for outstanding local, national and international contributions to the game.
For a while there he was out fly-fishing in Montana, where cell service is spotty. Then he was rambling around the Midwest catching up with former players of his at the college and minor-league professional levels. Oh, and there was that banquet in Nashville last month where Dusty had to drop by to accept the same national honor that in the past has gone to giants like 11-time College World Series champion Rod Dedeaux, University of Miami legend Ron Fraser and Peter Ueberroth, former commissioner of Major League Baseball.
LAKE WORTH – Baseball celebrities at a 1970's-era baseball benefit dinner for the Palm Beach Junior College Pacers. Seated from the left are Mickey Mantle with the new Yankees' manager Dick Howser and Atlanta Braves' manager Bobby Cox. Standing from the left are Dusty Rhodes, Pacer coach and PBJC president Dr. Edward Eissey. The dinner raised $2,500 for the Pacers. (Palm Beach Post file photo)
Finally this week, on a day when he had just driven back home to Jacksonville after a volunteer-coaching session at Flagler College in St. Augustine, Dusty stopped long enough to pick up the phone.
"You know, you chase this game all over the world," said Rhodes, a 1989 inductee to the Palm Beach County Sports Hall of Fame. "You're never in one place for too long."
Well, that's not entirely true. For all of Dusty's formative years, both as a player and a coach, he was a West Palm Beach fixture, known by all who wanted to learn to play the game right, or wanted their kids to learn.
It's a little-known fact that Jeff Wilpon, the chief operating officer of the New York Mets, once played for Dusty at Palm Beach Junior College. Team owner Fred Wilpon, Jeff's father, sought out Dusty to help lay down some guidelines on discipline and drive.
"His dad brought him on campus," said Dusty, who rattled off 303 wins in seven seasons as the Pacers' coach beginning in 1975. "Jeff had been at Miami but he got into a run-in with Ron Fraser. Ron told him 'There's a guy at Palm Beach Junior College who can straighten him out.'
"We had some rough times early but Jeff finally figured it out. He was supposed to be a catcher. He struggled a little bit but he could hit so I put him at first base. Ended up getting drafted by the Montreal Expos."
Everybody has a Dusty story like that. He's 69 now, but friends from his childhood days at Northmore Elementary in West Palm still can see and hear in him the scrappy kid who played on the Little Major League's 1959 state championship team at Phipps Park. Old coaching mentors, the ones who are still around, picture a natural leader on Palm Beach Post 12's state champion American Legion team, and at Palm Beach High School.
Then there are all the players who grew up with Dusty as their exacting coach, the man who made them get the fundamentals right or they wouldn't play, and part of those fundamentals always involved showing up to rake and water and mow the diamond.
Future major-leaguers Robbie Thompson, Randy O'Neal and Andy McGaffigan played for Dusty at PBJC, now known as Palm Beach State College. The first two are in the Palm Beach County Sports Hall of Fame and the third, McGaffigan, will be inducted next month.
Dusty never really left Palm Beach County behind either, even after he headed to Florida as an assistant coach and to North Florida to start from scratch the program he ran for 23 years. Our local kids could always be found all over his rosters, and the reasons were obvious. Our kids are good, which is part of the reason Rhodes' PBJC program reached No. 1 in the national rankings and his North Florida teams regularly advanced to the College World Series in the NAIA and Div. II categories.
If you're still reading it's probably because Dusty was a part of your life, and a major factor in how it turned out. He knows so many people throughout the industry. St. Louis Cardinals manager Mike Matheny, for example, played for Rhodes as a 20-year-old catcher for the Milwaukee Brewers' Rookie League affiliate in Helena, Mt.
Dusty plans to pop in on Matheny during spring training. Wants to tell him about some kids he knows from coaching the 2004 Olympic team from Greece, plus a prospect from Flagler who might be worth a look for a spot in somebody's minor-league organization.
This is how it works with Dusty, and always will work. He remembers toeing the line for Palm Beach High coaches Jim Maynor and Joe Ceravolo, who applied the same detailed techniques to multiple sports. He remembers being an assistant to Bob Shaw, a former World Series pitcher, on a Post 12 team that finished third at the American Legion national tournament.
He remembers, too, his first trip to the American Baseball Coaches Association convention, a much earlier version of the 6,500-member meeting where he was just honored.
"The first time I went to the convention, Bill Adeimy took me," Dusty said, referring to the area baseball benefactor whose name is on the field at Palm Beach State. "Ted Williams was one of the guest speakers. Now there were hundreds of top baseball coaches there, but we all went to hear Ted Williams."
If Dusty wasn't hooked on baseball by then, that would have done it, but you get the picture by now.
He was hooked from the moment he pulled on the uniform of Arnold Construction and stepped onto the green grass of Phipps Park, a Little Major Leaguer with a million extra innings already on his mind.
Author Dave GeorgePosted on February 19, 2016 February 19, 2016 Categories Baseball, Dave GeorgeTags Dave George, Dave's Digital Domain, Dusty Rhodes, Jeff Wilpon, Milwaukee Brewers, New York Mets, Palm Beach State College, sports, sportsfront, University of North Florida
Dee Gordon brings the most momentum into Marlins' spring training camp
If Dee Gordon of Miami wins the batting title against this year, it will be the first time a National Leaguer has gone back-to-back in that category since Larry Walker in 1998 and 1999.
Of course, Miguel Cabrera strung three American League batting championships in a row from 2011-13 and did it again last year but let's focus here. The idea is to emphasize something really positive as an opening thought about the Miami Marlins, not about one of their stars who got away.
Miami Marlins second baseman Dee Gordon lays down a bunt during the Miami Marlins home opener in Miami on April 6, 2015. (Allen Eyestone / The Palm Beach Post)
Can't do much better than Gordon if that's the case.
As new manager Don Mattingly prepares Miami's pitchers and catchers for their opening workout at Roger Dean Stadium Friday afternoon, and as new hitting coach Barry Bonds tries to get used to the image of himself in a Marlins uniform, Gordon is the guy with the most momentum around here.
In addition to his .333 batting average from last year, Dee has long been one of the biggest pests you'll ever find once he gets on base. He has led the NL in stolen bases for two seasons in a row, with 58 in 2014 and 64 the previous season in Los Angeles.
The last guy to lead the NL in batting and stolen bases in the same season? Jackie Robinson in 1949.
That's one of the quirks about the Miami franchise. From the very beginning, the Marlins have featured uncommon speed somewhere in the lineup, guys who can start a rally all by themselves with a walk and a steal.
Since the expansion season of 1993, a Marlins player has led the NL in stolen bases six times. That's more than any other NL team over the same period.
The list includes Chuck Carr in 1993, Quilvio Veras in 1995, Luis Castillo in 2000 and 2002, Juan Pierre in 2003 and Gordon last season.
[Zo's illness taught Pat Riley all he needs to know about waiting for answers on Chris Bosh]
[Honda Classic gets Fowler and Matsuyama fresh off emotional playoff duel]
The New York Mets come in second over that same period with four NL stolen base leaders. Jose Reyes did it for them three times in a row from 2005-07 and you'll notice that he wound up being a target of the Marlins organization, too. Miami had him during the experimental season of 2012, and Reyes finished third in the league in steals that year.
What does all this mean? Not a great deal, probably, once Giancarlo Stanton steps into the batting cage and starts launching balls into space with Barry looking on. That's what everybody wants to see.
Mattingly will see more in the Marlins' lineup, however, beginning with Gordon at the top. He'll have to see more, too, and do more with what he's got than any Miami manager has since Fredi Gonzalez. Fredi is the last one to post a winning record, way back in 2009, and he did it with a guy even more versatile than Dee Gordon.
Hanley Ramirez led the NL in batting (.342) that year, tied for sixth in RBI (106) and tied for sixth in stolen bases (27), all of which placed him second in the league MVP voting behind Albert Pujols, but there I go again talking about the Marlins who got away.
Spring training is here, and Dee Gordon soon will be, too. For now, that really should be enough.
Author Dave GeorgePosted on February 18, 2016 February 18, 2016 Categories Basketball, Dave GeorgeTags Barry Bonds, Dave George, Dave's Digital Domain, Dee Gordon, Don Mattingly, Miami Marlins, MLB, sports, sportsfront, spring training
Zo's story taught Pat Riley all he needs to know about waiting on answers with Chris Bosh
The news on Chris Bosh's recurrence of blood clots is shocking. He needs to wrestle with life issues first and everything else, including basketball, somewhere down the line.
The Miami Heat, of course, are a basketball team, so that establishes their priority of going on, playing games, building long-term personnel and payroll strategies, with the assumption that Bosh won't be a significant part of it anymore.
Miami Heat vice president, player programs Alonzo Mourning, center, presents guard Dwyane Wade, left, and forward Chris Bosh right, jerseys for the NBA All-Star Game, before the start of an NBA basketball game against the San Antonio Spurs. (AP Photo/Wilfredo Lee)
This all falls at the trade deadline, which winds the clock even faster. This team wasn't going to win an NBA championship this season, however, even if Bosh played every game at a career-best level. It's a stretch to think that any new, reshuffled lineup would get very far in the playoffs with or without Bosh returning at less than his polished best.
Better just to play out the season for whatever it is worth rather than dangling Justise Winslow or Goran Dragic or even Hassan Whiteside as trade bait for a half-season of veteran help.
Give Pat Riley time to sweep away all the broken pieces of his offseason free-agency plan. Give him the chance to come up with another plan for another year or two in the future, plus the chance to decide if he even wants to try again.
Riley's got experience, after all, in dealing with an unpredictable health threat striking a cornerstone Heat player. It happened to Alonzo Mourning in 2000, when he was diagnosed with a rare kidney disease.
[If Shaq gets his Heat jersey retired, why not cornerstones like Rice and Seikaly?]
In August of that year Riley made some big changes, collecting Eddie Jones, Anthony Mason and Brian Grant for what he hoped would be a run at the Heat's first Eastern Conference title. Then a couple of weeks before the season opener Zo made his announcement. Everyone rallied around the great star, hoping Zo would get help on his mysterious health issues and return.
Well, he did, in late March, starting three games and playing in 13 for a 50-win Miami team that climbed all the way to No. 3 in the East's playoff seedings. Then came a first-round playoff loss to the Charlotte Hornets, and a three-game sweep, no less.
The next season was much better for Zo, almost making you think that he had willed his body back into line. In 74 starts he averaged 15.7 points, 8.4 rebounds and 2.5 blocks, earning one last trip to the All-Star Game. The team, unfortunately, was starting to fall apart. Riley traded away Tim Hardaway, whose skills were diminishing at 34, before the season even began. By the spring everything had become drudgery, with Riley missing the playoffs for the first time in his career.
Of course, you know how well the story ended for Zo, with his glorious return to the Heat following a kidney transplant and with the NBA championship ring he won as Shaquille O'Neal's backup in 2006. What can't be forgotten now, though, and what won't be forgotten by Riley in dealing with Bosh's situation, is the way the whole franchise waited on him and hoped for a miracle when the kidney issue first arose.
Mourning missed the entire 2002-03 season, left the team when his contract was not renewed and went through a fruitless experiment with the New Jersey Nets before his body finally demanded a reboot with the transplant.
Zo is as tough physically and as stubborn mentally as any athlete who ever has played a professional sport. The Heat believed in him so much that they banked on his recovery longer than logic and medical science suggested was realistic. Zo couldn't be counted upon any more, no matter how much he and the team wanted it to be otherwise.
Bosh can't change his stars either. He will be paid, and paid well, by a franchise that doesn't want to see him go but must accept that he also can't be counted upon any more for any appreciable length of time.
Shocking to say, sad to think, but there it is. Best wishes now to Bosh, a big man in every way and enough of a believer in Riley that he re-signed with the Heat after LeBron James bolted.
If it turns out he comes back to the team later this season or beyond, I say hallelujah to that, but it won't ever be the same. It can't be.
Like Zo was at the time of his mysterious ailment, Bosh has no more real say in delivering on his promises.
Author Dave GeorgePosted on February 17, 2016 Categories Basketball, Dave GeorgeTags Alonzo Mourning, Chris Bosh, Dave George, Dave's Digital Domain, Miami Heat, Pat Riley, sports, sportsfront
Honda Classic gets both Rickie Fowler and Hideki Matsuyama fresh off emotional playoff duel at Phoenix
Rickie Fowler's fan base is already huge. It's because of the way he plays (booming 300-yard drives with a 5-foot-9 body) and the way he looks (bright colors and big smiles) and the way he wins (The Players Championship, Abu Dhab, etc.).
Rickie Fowler on the 16th hole during the final round of the Phoenix Open golf tournament, Sunday, Feb. 7, 2016, in Scottsdale, Ariz. (AP Photo/Rick Scuteri)
If it's possible, the Jupiter resident will have even more supporters now when he plays in the Honda Classic Feb. 25-28, and all because of the way he reacted to a devastating defeat.
Fowler lost a playoff on Super Sunday to Hideki Matsuyama, another of the world's rising stars, at the Waste Management Phoenix Open.
That was after making a 10-foot birdie putt on the final hole of regulation to force a playoff, and after making a 12-foot putt to save par on the third extra hole. Disaster struck twice on the 17th hole, however, when Fowler hit a drive into the water in regulation and did it again on what was the fourth playoff hole.
All of that Rickie could handle, but he was overcome by emotion in the press room afterwards at the thought of letting down family members, including a grandfather, who had come to see him win. Here's the video from PGA.com.
That's an authentic reaction and one that was difficult for Rickie to show in front of the cameras. Easier to blow off the postgame talk, or to make not real effort at expressing his thoughts, like Cam Newton after the Super Bowl.
This kind of thing appeals to anyone who wonders if our sports stars are in any way like the rest of us.
Fowler is real enough to worry that he might have let somebody down, and moved to tears by it even on a day that somebody handed him a $702,000 check for second place.
Matsuyama is in the Honda field, too, and it wouldn't be such a bad idea to pair him with Rickie in the opening rounds. Matsuyama, who will turn 24 during tournament week at PGA National, is No. 12 in the World Golf Rankings. Fowler is No. 4.
Matsuyama's only previous Honda appearance was in 2014, when he shot an opening 70 but withdrew with a wrist injury prior to the second round.
Author Dave GeorgePosted on February 12, 2016 February 12, 2016 Categories Dave George, UncategorizedTags Dave George, Hideki Matsuyama, Honda Classic, PGA National, PGA Tour, Phoenix Open, Rickie Fowler, sports
Dolphins thought they had their very own Von Miller when they drafted Dion Jordan
Remember when everyone was saying, "Man, if we just had a transformational quarterback like Cam Newton, our team could win the Super Bowl"?
Well, the wish list has something new on top these days.
DENVER, CO – Super Bowl MVP Von Miller of the Denver Broncos celebrates on the stage with the Lombardi Trophy as the Super Bowl 50 Champion Denver Broncos are honored at a rally on the steps of the Denver City and County Building on February 9, 2016. (Photo by Doug Pensinger/Getty Images)
Now, in the kneejerk reaction that follows every Lombardi Trophy presentation, fans of NFL teams going nowhere fast are saying "What we need is an unstoppable pass rusher like Super Bowl MVP Von Miller, plus another beast who can help track down whoever Von flushes into a panicked escape mode. That's how you win the Super Bowl."
There are so many other moving parts to the puzzle, of course, that it's never quite as simple as identifying and landing a great talent at a particular position of need, which is what Denver did by taking Miller with the No. 2 overall pick of the 2011 NFL draft.
The Miami Dolphins and former general manager Jeff Ireland Ifthought they had drafted their very own Von Miller back in 2013. They spent the No. 3 overall pick on Dion Jordan, a speedy 6-foot-6 hybrid of an edge rusher from Oregon. Traded up in the first round to get him, too.
So far the team has gotten one start and three sacks out of the guy, and not only because Jordan was suspended for the entire 2015 season for a third violation of the league's performance-enhancing substance policy. Truth is, he wasn't good enough to make much of an impact before the suspension.
I checked with Andrew Abramson, one of the Post's two full-time Dolphins beat writers, for a status update on Jordan. Turns out the player is eligible to return to the Dolphins in April if NFL Commissioner Roger Goodell gives the OK. After that, Miami can either keep Jordan at a salary cup hit of $6 million for the final season of his contract or cut him and absorb a cap hit of $3 million.
Either way, that's paying a lot for not much.
[If a short-timer like Shaq gets his Heat jersey retired, what about Rice and Seikaly?]
[Last four National Signing Days show that bad coaching can sour the deepest talent well]
[Dolphins let an eventual Super Bowl-winning offensive lineman get away]
If Jordan had panned out, and if Cameron Wake had stayed healthy enough to approximate the role of Broncos veteran DeMarcus Ware, and if Ndamukong Suh had torn up the league this season at a production rate commensurate with his contract, and if Olivier Vernon simply continued to improve at the same rate,
Miami Dolphins defensive end Dion Jordan (95) at Sun Life Stadium on November 2, 2014. (Allen Eyestone / The Palm Beach Post)
Miami would have the monster pass rush everyone else in the league covets.
Instead, the Dolphins tied for 25th in the league in sacks last season, missed the playoffs and, in every other phase of the game as well, missed the boat.
It's never just one player, which is the reminder that comes with every draft season but too quickly is disregarded. If it were about one player, obviously Dan Marino would have his Super Bowl ring. So, in more current context, would Houston's J.J. Watt.
So, for that matter, would Jason Taylor.
J.T. ranks sixth on the NFL's all-time sacks list with 139.5. Four of the guys ahead of him – Bruce Smith, Reggie White, Chris Doleman and Michael Strahan – are in the Pro Football Hall of Fame. The two players immediately after Taylor on that list – Richard Dent and John Randle – also are in Canton.
So it's established that the Dolphins had a dominant and highly adaptable pass rusher in their lineup during a combination of comings and goings that added up to 13 seasons.
During Taylor's time with the team, Miami won three playoff games, never advancing beyond the first round.
In 2002 Taylor led the NFL in sacks with 18.5. Miami missed the playoffs at 9-7 that season.
In 2006 Taylor was voted NFL Defensive Player of the Year. That season the Dolphins went 6-10.
Conclusion? Hats off to the Broncos for getting Von Miller and adding him in with a mix of so many other great acquisitions and coaching decisions that Denver has made itself a regular visitor to the Super Bowl and the champion of the moment.
As for the Dolphins, we can only hope that the new coaching staff selected and supervised by Adam Gase will do a better job of developing what the team already has and what will be coming in the next draft. That is the magic potion, and even when it works it is administered one or two drops at a time.
Rather than more money spent on the defensive line, the smart move is to get a cornerback or an inside linebacker with the No. 8 overall pick in April's draft.
The smart move is to know that the Dolphins aren't going to be in the Super Bowl any time soon, and they wouldn't be even if Von Miller played for them.
Matter of fact, the Las Vegas casino crowd doesn't even think Denver will be back in the big game next year. ESPN listed odds from the Westgate SuperBook the other day showing Seattle, New England and Pittsburgh as co-favorites to win Super Bowl 51. The Broncos check in down the list at 20-1 odds, and that's not even worrying about whether Peyton Manning will retire or return.
Author Dave GeorgePosted on February 11, 2016 February 11, 2016 Categories Dave George, FootballTags Dave George, Dave's Digital Domain, Dion Jordan, Jason Taylor, Miami Dolphins, sports, Von Miller
If a short-timer like Shaq gets his Heat jersey retired, why not cornerstones like Rice and Seikaly?
If the Miami Heat are retiring Shaquille O'Neal's No. 32 jersey, as announced on Tuesday, you know what that means.
One day they'll be raising LeBron James' No. 6 to the rafters at AmericanAirlines Arena, too. Whether that becomes a warm and fuzzy moment for anybody really doesn't matter. It has to happen, because Pat Riley is determined to give all-time credit to Miami's all-time talents. It is a strength of his that puts the game above the gossip.
CHICAGO – Shaquille O'Neal of the Miami Heat shoots against the Chicago Bulls in Game 6 of the Eastern Conference Quarterfinals during the 2006 NBA Playoffs at Chicago, Illinois. (Photo by Jesse D. Garrabrant/NBAE via Getty Images)
Now I'm not convinced that Shaq deserves so warm a hug from a franchise that he slimed pretty liberally on his way out the door in 2008.
He only spent 3 ½ seasons in Miami and played for three more teams after that while skidding to the end of his career. Commitment to the Heat's brand of basketball was never the commitment for Shaq that it was for, say, Alonzo Mourning. Shaq's commitment has always been to Shaq, the supersized persona, the great entertainer, the brilliant manager of so many marketable assets.
It all starts, however, with Shaq's transformative impact on the game. He was a load physically and a bull mentally, commanding as much respect in the lane as anyone since Wilt Chamberlain has. In 2006, at the age of 33, Shaq still had enough to average 18.8 points and 9.8 rebounds in the long playoff run that earned Miami its first NBA title. Dwyane Wade was the reason the Heat finished the job but they wouldn't have gotten within realistic range of a championship without Shaq.
Wade's jersey will eventually be retired, though they really ought to hang about three of his up there, one in white, another in red and another in black. That would reflect his multiplied importance to this organization, and the three NBA titles he has won with the Heat.
Chris Bosh will be honored somewhere down the road, too, just like Zo and Tim Hardaway before him.
Is Shaq still really a part of that royal family? Doesn't seem to matter to Heat ownership. Michael Jordan's number is retired at AmericanAirlines and he's related to this franchise by NBA bloodlines alone.
More than worrying about Shaq, though, it would be nice to pay more attention to Glen Rice and Rony Seikaly, two Heat greats who might be getting higher priorities if they had played for Riley.
Rice averaged 19.3 points per game during his six Miami seasons. That's No. 4 in franchise history, right behind LeBron, Dwyane and Shaq. What's more, Rice drove the Heat into the playoffs for the first time, back when he carried a far greater load than any of the Big Three did individually during Miami's later championship run.
Seikaly, meanwhile, holds a special place in franchise history because he was there from the start. Miami took the Syracuse center in the first round of the Heat's inaugural draft in 1988 and received in return six seasons of overachievement.
Seikaly averaged a double-double during his time in Miami – 15.4 points and 10.4 rebounds. Nobody, not even Shaq, averaged as many rebounds in a Heat uniform. Seikaly blocked a ton of shots, too, coming in third in franchise history behind Zo and Shaq at 1.4 per game.
Now maybe I'm too liberal with my view of which numbers should be retired, but no more so than Riley is in honoring Shaq.
Maybe we'll be in agreement one day in retiring Udonis Haslem's number. It's not always about stats when it comes to identifying a franchise's most valued members. Udonis is the soul of the Heat, a gritty force from Miami, of Miami and for Miami.
Shaq, he was just a traveling star, and LeBron a manipulator of rosters and of minds. Both came to Miami to get what they wanted, championship rings, and both left when it was convenient to them.
Author Dave GeorgePosted on February 10, 2016 February 10, 2016 Categories Basketball, Dave GeorgeTags Alonzo Mourning, Chris Bosh, Dave George, Dave's Digital Domain, Dwyane Wade, Glen Rice, LeBron James, Miami Heat, NBA, Pat Riley, Rony Seikaly, Shaquille O'Neal, sports, sportsfront, Tim Hardaway
How old were multiple Super Bowl-winning QBs when they bagged their first one?
I've got a column in the Palm Beach Post today predicting Carolina will win the Super Bowl 31-21. This prognostication business can be dangerous, of course, and not only because nobody remembers or cares when you are right.
The second issue is that it's so darn habit-forming. Sitting here right now, with the game still to be played, I'm actually thinking about predicting how many Super Bowls that 26-year-old Cam Newton will win before his career is done.
SAN JOSE, CA – Quarterback Cam Newton of the Carolina Panthers gives the Heisman Trophy pose while his teammates stretches during practice prior to Super Bowl 50 at San Jose State University. (Photo by Thearon W. Henderson/Getty Images)
Heck, let's do it. I'll say Cam wins a couple of them, whether today's game works out for the Panthers or not.
It's a guess based on his physical size and strength, which point to longevity, and his remarkable progress in reading defenses and discovering how best to torture them, sometimes with his arm and sometimes as a steamrolling runner.
Two rings would put Newton in a class with some pretty big hitters, like Bart Starr, John Elway and Bob Griese. Admittedly, that's shooting pretty high.
No matter how good Cam looks now, there are any number of things that could get in his way, from injuries to poor long-range personnel decisions by the Panthers to the arrival of other great young quarterbacks operating in Cam's same supersized style, or in a completely different one. This game is always evolving. It wasn't too long ago that everybody thought Colin Kaepernick was the answer to every question.
It's all conjecture on Cam, then,, but there are probably 10 more years to see if it all bears out and I probably won't be working here anymore for you to rip me for being wrong, so there's that.
In the meantime, here's a list of Super Bowl quarterbacks with multiple Super Bowl wins, plus the age they were when the first title was won.
Name SB wins Age at 1st
Joe Montana 4 25
Terry Bradshaw 4 26
Tom Brady 4 24
Troy Aikman 3 26
Eli Manning 2 26
Jim Plunkett 2 33
Bob Griese 2 27
Roger Staubach 2 29
Ben Roethlisberger 2 23
John Elway 2 37
Bart Starr 2 32
(One important note on Starr. His career predated the creation of the Super Bowl. The great Green Bay quarterback previously won NFL championships at the ages of 27, 28 and 31.)
Author Dave GeorgePosted on February 7, 2016 February 7, 2016 Categories Dave George, FootballTags Cam Newton, Carolina Panthers, Dave George, Dave's Digital Domain, Joe Montana, NFL, sports, sportsfront, Terry Bradshaw, Tom Brady


text:
Articles / cYw 2014 / Research Stories / Snakes
The Deadliest Healer: King Cobra Venom Used in a High-Strength Painkiller
A king cobra. [Photo: "King Cobra" by Hari Prasad Nadig, License: CC BY-SA 2.0]
A fisherman sits on top of the calm, murky waters of the Ganges River, pulling in his trawling net. As he lugs it up onto his rickety dinghy, he begins to survey his catches. A few flopping fish, some loose garbage, a mass of plants… and a strange brown rope. He reaches down to pick up the rope, thinking it might be useful to him. As his outstretched hand reaches the rope, it begins to move. He immediately realizes what it is, and tries to draw back his arm. But he can't move fast enough. The "rope" rose up, its head turning to face him, its hood flashing behind it. Before he can get away, it strikes. A red hot pain shoots through his arm as its long dagger fangs sink into his flesh. He lets loose a strangled cry as the creature pulls back. He drops the net, and falls back onto the bare floor of the small boat. He knows what has happened to him and that he has mere minutes to live. Once the king cobra strikes, you have no time.
A patient lies on a bare hospital bed, writhing in pain. It's as if his body had been set on fire. He feels as though his nerves were being ripped apart, one by one. The morphine had done nothing. A nurse entered the room, holding a small cup. She nears the shaking patient, holding the cup out to him. In it are several pearly pills, shining with hope. After taking them painfully, a certain look of bliss comes across his face. His movements stop. The patient smiles as he realizes what happened. He has been cured—in a way. This new painkiller worked on him, finally. Where morphine had done little, the tamed venom of the king cobra had worked.
Pain is an everyday ordeal. You stub your toe- pain. You break a leg- pain. You get into a car accident- pain. As you can see, there are varying levels of pain. Most can be taken care of with a Band-Aid or some ice, maybe a kiss from your mom. While dealing with these cases, painkillers such as aspirin and ibuprofen can be used.
Some pain may not be so minor. As you move up the pain scale, morphine may be needed. Although it is one of the most powerful painkillers in use (Kaye, 1990), not even morphine can alleviate every pain. Beyond morphine's range lies nerve damage and related injuries. For these cases, there were few options other than letting the pain run its course. But now, a new option has arisen.
The human nervous system. [Photo License: Public Domain]
Snake venom is a curious thing, and king cobra venom is even more mysterious. Cobra venoms are among the fastest-acting venoms found in snakes. They quickly cripple the nervous system, sending out toxins that bind to muscular receptors in the victim. These toxins then block the chemical neurotransmitters that communicate with the muscle and control its contractions. Without this ability, the victim becomes paralyzed, and experiences respiratory failure and could die (Carroll, 2010). This explains the first scenario, but what about the second one?
At the National University of Singapore, Professor R. Manjunatha Kini of the Department of Biological Sciences led a study on the venom of the Ophiophagus hannah, the king cobra. They were able to identify a novel protein unique to the king cobra, called ohanin (Kini, 2005). Ohanin is a small protein made up of 107 amino acids. Due to this relatively unusual makeup compared to other snake venoms, the protein does not fit into any existing venom families, and is considered the first in a new, growing family of snake venoms. This unique protein has been found to be nontoxic up to 10 mg/kg, allowing it to be injected into mice for the experiment (Kini, 2005). Once injected into mice, certain neurological effects were observed.
Two very prominent effects of the ohanin protein were hypolocomotion and hyperalgesia. (Kini, 2005). Hyoplocomotion is the inhibition of physical or behavioral activity, and is a common trait of sedatives, whereas hyperalgesia is the heightening of sensitivity to pain (Merriam-Webster's online dictionary, n.d.). These two effects are clear indicators that ohanin has a very direct and aggressive impact on the central nervous system. While these may not seem to be desirable aspects of painkillers, the reaction seen in the nervous system is the value of ohanin. Because it had such a prominent effect, the researchers were able to conclude that the protein could be further manipulated to incorporate and enhance the desired features for what could be the first effective painkiller to utilize the king cobra venom.
Snakes being milked to extract venom. [Photo: "Snake Milking" by Barry Rogge, License: CC BY 2.0]
More recently, Professor Kini's team has developed a painkiller that does so. By carefully isolating specific parts of the protein ohanin, they were able to detoxify the venom and manipulate it to their advantage. With this helpful protein extracted, a painkiller was developed that reaped the benefits of the protein's controlling traits. This painkiller, which is 20 times more potent that morphine, has zero side effects at dosages up to 2,000 times the effective dose (Ee, 2013). This new drug is being tested in clinical trials, and will be formally released by 2016 or 2017.
As incredible as this is, it is only the tip of the iceberg. Snake venom is still being tested, and is believed to hold thousands of more medical uses. As Professor Kini states, "We know perhaps only 1 per cent of the benefits of snake venom." Who knows what's next? Maybe it could be a cancer cure, or a diabetes treatment. What's for sure now, though, is that there will always be a certain poetic ring to the idea of something as deadly as cobra venom healing you.
King Cobras are among the deadliest snakes in the world, known for their nerve-killing venom
Protein unique to king cobra venom that elicits neurological reactions in mice called ohanin
Ohanin is being used in a painkiller that is 20 times more potent than morphine, and has no observable side effects
Painkillers Infographic
This article was written by cYw10. As always, before leaving a response to this article please view our Rules of Conduct. Thanks! -cYw Editorial Staff
Read Related Posts:
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Squid Ink: A Periodontal Map Maker

redpajama_set_name: RedPajamaCommonCrawl


gleich nach etw. on the morror of sth.
der Tag/die Zeit nach etw. the morrow of sth.
Mit diesem Orden/Brauch hat es eine/seine eigene/besondere Bewandtnis. This order/custom has a special story. There is something about this order/custom./ You have to know the background to this order/custom.
Damit hat es seine eigene Bewandtnis. Thereby hangs a tale.
Damit hat es eine ganz andere Bewandtnis. It's a different story.
Was hat es eigentlich mit diesem seltsamen Ritual für eine Bewandtnis? What's the story/reason behind this strange ritual?
Alternativ zu Methode 2 kann auch folgende Technik angewandt werden: Alternatively to method 2 the following technique may be employed.
Als Alternative zur persönlichen Vorsprache können Sie uns auch faxen. Alternatively to making an appointment you can fax us.
Sie können uns auch per Fax unter Nr. 123456 erreichen. Alternatively, you may reach us by fax at no. 123456.
Das ist nicht sonderlich beeindruckend. This is not particularly impressive.
Mir geht es nicht sonderlich gut. I'm not particularly/that well.
Sie hat keine sonderlich guten Chancen. Her chances are not especially good/not all that good.
Das hat mich nicht sonderlich überrascht. It didn't especially/really surprise me.; I wasn't really very surprised.
Er ist zu unentschlossen, um sonderlich erfolgreich zu sein. He is too indecisive to be particularly successful.
Namentlich hat der Bevollmächtige folgende Befugnisse. In particular, the attorney shall have the following powers.
Der Fall, mit dem das Gericht befasst ist, hat zwei Aspekte. The case before the court has two aspects.


text:
<?php

/**
 * Class TicketMapper
 */
class TicketMapper extends Mapper
{
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    public function getTickets() {
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            from tickets t
            join components c on (c.id = t.component_id)";
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        $results = [];
        while($row = $stmt->fetch()) {
            $results[] = new TicketEntity($row);
        }
        return $results;
    }

    /**
     * Get one ticket by its ID
     *
     * @param int $ticket_id The ID of the ticket
     * @return TicketEntity  The ticket
     */
    public function getTicketById($ticket_id) {
        $sql = "SELECT t.id, t.title, t.description, c.component
            from tickets t
            join components c on (c.id = t.component_id)
            where t.id = :ticket_id";
        $stmt = $this->db->prepare($sql);
        $result = $stmt->execute(["ticket_id" => $ticket_id]);

        if($result) {
            return new TicketEntity($stmt->fetch());
        }
    }

    /**
     * @param $ticket_name
     * @return array
     */
    public function getTicketsByName($ticket_name) {
        // Broken Code
        try
        {
            $sql = "SELECT t.id, t.title, t.description, c.component
                from tickets t join components c on (c.id = t.component_id)
                where t.title LIKE '%{$ticket_name}%'";
            $stmt = $this->db->query($sql);

            $results = [];
            while($row = $stmt->fetch()) {
                $results[] = new TicketEntity($row);
            }
        } catch (Exception $e) {
            return array();
        }
        return $results;
    }

    /**
     * @param TicketEntity $ticket
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    public function save(TicketEntity $ticket) {
        $sql = "insert into tickets
            (title, description, component_id) values
            (:title, :description,
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        $stmt = $this->db->prepare($sql);
        $result = $stmt->execute([
            "title" => $ticket->getTitle(),
            "description" => $ticket->getDescription(),
            "component" => $ticket->getComponent(),
        ]);

        if(!$result) {
            throw new Exception("could not save record");
        }
    }
}

redpajama_set_name: RedPajamaGithub


text:
Tim Gilmour
Businesses Help Students Take College Shortcuts
In our book, Transforming for Turbulent Times, we predict the emergence of a radically altered Knowledge, Work, and Learning Ecosystem by 2030, as shown below. One key development we anticipate in the ecosystem is the entry of a number of new agile Learning and Certification Providers who will deliver learning experiences that are more student centered and much better attuned to their rapidly changing learning needs.
Knowledge, Work, and Learning Ecosystem
In this emerging ecosystem, employers will be desperate to attract and retain top talent, using on-going training and talent development as an incentive. To do this, employers will forge external partnerships for in-house learning. They will also collaborate with high schools and colleges to accelerate "last mile" transitions from learning to employment.
Learning and Certification Providers will also transform. Affordable on-line providers, laser focused on the needs of the learners they serve, will both grow and scale their offerings dramatically. There will also be a number of so-called "Free-Range" learning providers such as CAEL, StraighterLine, General Assembly, Innovate+Educate, Degreed, Credly, HelioCampus, Credentials As You Go, and Portfolium to serve learners' needs. Many will actively seek "last mile" and other placement partnerships with employers. Moreover, some of these learning providers will also curate content and specialty offerings like student success services.
In this context, we read with interest a recent Hechinger Report entitled, "Impatient for workers, businesses help students take college shortcuts" (Burke, July 29, 2022). The Report sees these developments "as part of an accelerating movement of noncredit, short-term training programs, not just in technology, but in many fields for which students are impatient for jobs and employers for workers who want to leapfrog their way to careers — and do it without necessarily spending the years and money it takes to earn a university degree."
The Report indicates that State and federal agencies are also joining the trend. Connecticut's Office of Workforce Strategy, for example, is investing $70 million of its American Rescue Plan money to offer grants for short-term industry-recognized credential programs in fields including manufacturing, health care and IT to people who need, or want, to change jobs.
The agency would also like to see more companies get involved in training opportunities according to Niall Dammando, the Connecticut Office of Workforce Strategy's chief of staff. It's in the State's interest to push for more training alternatives like these, he said.
Interest in non degree programs has also increased since before the pandemic. Among adults who are considering further education, since 2019, the proportion who say they want non degree training is up by 12 to 26 percent, while the proportion who say they're interested in bachelor's, associate, masters or doctoral degrees is down by 8 to 29 percent, according to a survey by Eduventures.
Experts say that faster-paced, less-expensive training programs are booming in part because the cost of college and the time it takes to earn degrees are weighing on potential students, especially at a time when businesses are desperate for workers. Nearly one-third of teenagers now say they would prefer their postsecondary education to last two years or less, according to a survey by the ECMC Group. More than half are open to something other than a four-year degree.
It should not be a surprise then that college and university enrollment has dropped by close to 8 percent since the start of the pandemic, according to the National Student Clearinghouse. That includes students older than the traditional 18- to 22-year-olds, many of whom are even more likely to prefer fast-paced training to longer-term certificate and degree programs.
Many observers are now saying that the push over the last few decades to get everyone to go to college may have been flawed. Although college degrees pay off, on average, with lifetime earnings for a bachelor's degree-holder about 84 percent higher than those for workers with just high school diplomas, according to the Georgetown University Center on Education and the Workforce, not everyone can get into, afford, or succeed in college.
Welcome to the New Normal: The Coming ChatGPT Revolution
What Will We Do About Student Debt?
Why is Change So Difficult in Higher Education?


BPI offers exclusive access to networking events centred around Birmingham's Property market for market professionals and people looking to build their careers in property. Sign up for exclusive invites to events and information about new deals and opportunities.
Looking into the most luxurious yet cost effective interior design options for up and coming property developers looking to create ultra modern and high demand property for the best results in their property development career.
Find out about what's going on in the one of the UKs highest yielding location. With landlords achieving over 7-9% yields on average in addition to obtaining capital appreciation and quickly advancing as a business hub with the likes of HSBC, Deutsche Bank and Natwest heavily investing in the area.
Learn how to create income through property through videos, webinars, workshops and many more resources looking into the most innovative as well as the most tried and tested methods to help you in your career as a property investor.
Join a network, meet with like minded individuals, learn how to generate income through property and hear from experienced property investors and market specialists.
According to a recent joint study on Emerging Trends in Real Estate 2015, produced by the Urban Land Institute (ULI) and PwC, Birmingham offers the best property investment potential in the UK.
The new Birmingham New Street station, has undergone a £600m upgrade.
£150m leisure scheme Resorts World Birmingham opened in spring 2016.
Work also started on the mixed-use development Paradise Circus in January, a scheme covering 17 acres between Centenary and Chamberlain Squares.


text:
Maxwell was een automerk uit de Verenigde Staten dat van 1903 tot 1925 bestond. Dat jaar werd de Chrysler Corporation
opgericht en werd Maxwell uitgefaseerd ten voordele van Chrysler. In totaal werd een 100 000-tal auto's onder de merknaam Maxwell gebouwd.

Geschiedenis

Voorgeschiedenis
Jonathan Maxwell (1864-1928) werd geboren in de Amerikaanse staat Indiana. Hij was fietsenmaker en later machinist. Voor de eeuwwisseling werkte hij met Elwood Haynes aan diens automobiel. Daarna werkte hij nog samen met Ransom Olds van Oldsmobile.

Maxwell-Briscoe Co.
In 1903 ontwierp Jonathan Maxwell zijn eerste auto en richtte hij samen met Benjamin Briscoe de Maxwell-Briscoe Company op. Ze kochten een fabriek in New York waar ze in juni 1904 Maxwells begonnen te produceren. In 1907 bouwden ze een nieuwe fabriek in New Castle (Indiana) die vandaag als enige overblijvende Maxwell-fabriek nog steeds in Chryslers
bezit is. In 1909 werd nog een complex gebouwd in Highland Park (Michigan).

US Motor Co.
In 1910 richtte Briscoe het United States Motor Company-concern op boven verschillende onafhankelijke autobouwers. Ook Maxwell werd in het concern opgenomen. Deze autobouwers konden dankzij het concern de nodige fondsen vinden voor hun verdere groei en ontwikkeling. De US Motor Company ging in 1913 ten onder na een conflict met twee geldschieters die ook belangen hadden in concurrent General Motors.

Maxwell Motor Co.
De activa van Maxwell werden opgekocht door Walter Flanders die ze onderbracht in de nieuwe Maxwell Motor Company. Flander had eerder de Flanders Automobile Company opgericht die nu in Maxwell geabsorbeerd werd. Het nieuwe Maxwell verhuisde naar Detroit en zette de productie van Maxwell voort. Het groeide op een bepaald moment uit tot de op vier na grootste constructeur van de Verenigde Staten.

Maxwell Motor Corp.
Doch stond Maxwell in 1920 op de rand van het faillissement. Het bedrijf had voor zo'n $43.000.000 aan schulden en de verkoop begon achteruit te gaan. Walter Chrysler, voormalig directeur van Buick en willys-Overland, werd gevraagd om de reorganisatie van Maxwell en van de Chalmers Motor Company, van wie Maxwell sinds 1917 een fabriek leasete, te leiden. Chrysler kreeg er $100.000 per jaar plus aandelenopties voor.

Het bedrijf werd te koop gezet. Door hoge biedingen van onder andere General Motors en Studebaker moest het bedrijf $10,8 miljoen neertellen om zichzelf terug te kopen. In mei 1921 werd het bedrijf omgevormd tot de Maxwell Motor Corporation met Chrysler als voorzitter van de raad van bestuur. Het jaar daarop kocht het bedrijf ook de activa van Chalmers op voor $2 miljoen.

Chrysler Corp.
Intussen bleven Maxwell en Chalmers in productie. Chrysler begon reeds aan zijn eigen auto's te werken en in 1923 ging ook zijn Chrysler Six in productie. In januari 1924 werd dat model geïntroduceerd op de New York International Auto Show. De Six werd er goed ontvangen en de productie bereikte meteen 32.000 eenheden in dat eerste jaar.

Op 6 juni 1925 richtte Chrysler de Chrysler Corporation op die onder meer Maxwell omvatte. Datzelfde jaar werd Maxwell uitgefaseerd en Maxwells automodel werd de nieuwe Chrysler Four. De eerste modellen van Chrysler waren grotendeels gebaseerd op die van Maxwell. De Four werd later de Chrysler Plymouth en uiteindelijk het merk Plymouth.

Modellen

Fabrieken
Gedurende haar bestaan werden de auto's van Maxwell op verschillende plaatsen geproduceerd:

 Tarrytown (New York)
 Pawtucket (Rhode Island)
 New Castle (Indiana)
 Detroit (Michigan)
 Canada

Productiecijfers
Volgend zijn de productiecijfers Maxwell waar bekend:

Zie ook
 Chrysler
 Walter Chrysler
 Plymouth
 Chalmers
 United States Motor Company
 Lijst van automerken

Referenties

Chrysler
Amerikaans automerk
Voormalig Amerikaans bedrijf

redpajama_set_name: RedPajamaWikipedia


text:
Q: Phar:// stream wrapper with space in the filename so I have a zip file in directory
/pathdodir/the zip file.zip
so I do this:
$dir = 'phar:///pathdodir/the zip file.zip';
$file = scandir($dir);
print_r($file);

but then this ends up complaining about

"failed to open dir: phar error: invalid url or non-existent phar"

if I rename the zip file such that it has without spaces though ie to thezipfile.zip and then change $dir to thezipfile.zip as well, phar would work and it would print_r the files inside that zip accordingly...
how do I make it so that phar would also work even if there are spaces in the filename?

A: The file name you use - phar:///pathdodir/the zip file.zip - is an URL; it has a schema (phar://).
You have to url-encode special characters in URLs, and the space is encoded as %20.

redpajama_set_name: RedPajamaStackExchange


text:
Q: Calling session from one application to another I have a situation wherein I need to get a session variable that is created in one application to another application. Both are running on the same server (Tomcat). Is that possible? I have seen SSO but couldn't find any use. Is there any other way to do this?
Please let me know....
Thanks in advance....

A: Short answer: session of one web application is not available to another one. Attempts to make it work are usually not worth the trouble and a sign of erroneous design.
If you want to share data between sessions/applications you would need to store it in a separate storage medium.

A: Is possible, but not straight-forward, check out: http://tomcat.apache.org/tomcat-5.5-doc/cluster-howto.html


Protests over democracy in Hong Kong may be preoccupying the Chinese leadership, but a subject of still greater international importance is being played out this week behind closed doors in Washington. China is bidding to enter the heart of global finance by establishing its currency, the renminbi, as part of an ubiquitous monetary unit used in official transactions around the world.
The issue of whether the Chinese should be part of the International Monetary Fund's Special Drawing Right, the composite reserve currency used in official financing, is highly technocratic, but the political questions at stake go to the core of world money and power – and will be discussed, in the background, at the annual meetings of the IMF and World Bank in Washington this week.
The decision on a new SDR structure, to be made in the next 15 months, will influence how China and its currency can play a bigger part in driving world trade, investment and capital flows. The renminbi could eventually challenge the dollar and its pivotal position in world money — which is why the U.S. government and Federal Reserve are examining this with intense interest.
China is unlikely to mount an open campaign to enter the SDR, grouping the main reserve currencies, the dollar, the euro (linking countries in European monetary union led by Germany and France), the Japanese yen and British pound, and is valued at around $1.5.
Beijing would prefer the question of recalculating the composition of the SDR, which comes up for review in 2015, to follow market developments, reflecting a big increase in demand for renminbi financing from private banks, central banks, traders, corporations and asset managers.
Many hurdles remain. These include the renminbi's lack of formal convertibility for transactions that shift capital inside and outside the country, where Beijing is reluctant to abolish all controls. In addition, China still has to release more statistics to the Fund about its monetary reserves and other matters. However, Chinese measures over the past three years to liberalize and internationalize its currency, and a big increase in financial market interest in China, are pointing toward a broadening of the SDR's composition from January 2016.
An additional factor is China's own action to galvanize emerging market economies toward reforming word monetary arrangements. This includes the five-nation Brics group's decision to set up the New Development Bank in Shanghai, potentially challenging the IMF and the World Bank.
As the world's No. 2 economy after the U.S., China believes it is close to earning the status of a reserve money, the first time that an emerging market currency would attain this position. Chinese entry into the "magic circle" has been advanced by the British government's September decision to issue renminbi-denominated bonds, the first big government to take such a step, and allow the proceeds to be held as reserves by the Bank of England.
The main conditions for the renminbi to pass the SDR test are that it should be widely used in trade and be "freely usable" in international payments and asset management. Although a long way behind the dollar, the renminbi has made impressive strides recently and is challenging the euro in several key fields.
Next year's planned review will touch, too, on the opportunity for the SDR to play a greater role on financial markets, for example in denominating bond issues. The SDR has lost ground as a financial vehicle in the past two decades, reflecting the surging importance of international private sector capital markets. But with the addition of the renminbi, it may be about to make a comeback.
David Marsh is Managing Director of Official Monetary and Financial Institutions Forum, a London think-tank.


Preparer information is not required to be listed on Page 1.
4(o) – Did the plan trust incur unrelated business taxable income?
4(p) – Were in-service distributions made during the plan year?
Is the plan a 401(k) plan?
How does the 401(k) plan satisfy the nondiscrimination requirements for employee deferrals and employer matching contributions?
If the Average Deferral Percentage (ADP) test or Average Contribution Percentage (ACP) test is used, did the plan perform testing using the "current year testing method" for non-highly compensated employees?
Did the plan use the ratio percentage test or the average benefit test to satisfy the coverage requirements under Section 410(b)?
Does the plan satisfy the coverage and nondiscrimination tests by combining this plan with any other plans under the permissive aggregation rules?
Has the plan been timely amended for all required tax law changes?
Provide the date of the last plan amendment/restatement for the required tax law changes.
Provide the date of the last favorable determination letter received.
Is the plan maintained in a U.S. territory?
More information from the IRS, including specific questions to skip on the form 5500-SF can be found at the IRS website.
While the forms will not be updated to remove these questions for this year, Plan Sponsors should consider leaving them blank as the IRS recommends.
If you have any questions regarding the new questions in the 2015 Forms 5500, Barnes Dennig wants to help. For additional information, please call us at (513) 241-8313 or contact us online here. We look forward to speaking with you soon!


text:
Christmas Eve in Greenwich Village
University Floral Design on University Place.
Last night on Christmas Eve TD and I trundled over to University Place to have a holiday drink with my long-time friend Abigail and her family. I met Abby the third month I lived in New York in 1983 and we have been great friends since. Now she's married and has three beautiful children – such a delight to see on Christmas Eve. Then TD and I headed over to Grace Church, built in 1846 on Broadway, for their service called A Festival of Nine Lessons and Carols (our church Judson Memorial held a festive Christmas service this past Sunday). We had been to this Christmas service at Grace once before and I have wanted to return.
At the very beginning, the choir, led by children, proceed into the church, each holding a candle. The few children's voices peal out, delicate and clear like a bell. Bingo. Tears in the eyes. It's so beautiful. So simple. Really transporting.
The choir proceeding in:
The service included many wonderful carols and readings. The Reverend J. Donald Waring gave the sermon. He spoke about Christmas being "a thin place" where heaven meets earth. I knew what he was talking about – those unique places where or moments when you are beyond the realities of the world and experiencing something special that is removed from the grind of everyday life.
The lights in the church dimmed and the congregation knelt to sing "Silent Night." We each had received a candle at the front door, and now they were lit, neighbor to neighbor. There were no instruments, just the rising voices and candle light in the darkened church. We were in a thin place.
It reminded me of Christmas Eves in my childhood. This was when we lived in the little Cape Cod house on Morris Circle in New Hartford. We always invited for dinner my grandparents, my father's parents, and my aunt Betty who lived with them; she passed away two years ago. Towards the end of the evening, the lights in the living room were turned off and we sang around the colorful Christmas tree. After "Silent Night" Betty always said, "That one is my favorite."
A few more carols, and the choir proceeded out.
It really was a beautiful thing.
I am wishing you many thin places, wherever you may find them.
We usually celebrate a jolly Christmas Eve in Montclair with my brother Eric's family but this year there was a change of plans – right now we are packing for Mexico! My brother Thom has invited the family to join him in Puerto Vallarta to celebrate his birthday. We are very excited to say the least. Feliz Navidad and Happy New Year!
Labels: Greenwich Village, holiday, New York
Christmas balloons at Saint Anthony of Padua Church on Sullivan Street in Soho.
I've been taking some pictures around and about. I'm very fond of this handpainted reindeer and the pastel colors on his festive wreath from Mexico which I got at ABC Carpets. He had big antlers which broke off but I still love him.
At Christmas I like green and white and pale colors. On the front hall table – evergreens, sea shell ornaments and a cyclamen, day...
and night, with Bell.
I love rusty metal ornaments – and hang them around the house.
These ornaments topped with silk flowers on the mantel are from Bergdorf Goodman.
On the dining table are ornaments which Bell has knocked off the tree.
Over the weekend it snowed a lot and Washington Square Park was covered.
The houses of Waverly Place that face the park are very Henry James, no?
The Washington Square Arch at the base of Fifth Avenue now frames a festive Christmas tree.
I'm hoping that your holidays are jolly and warm in every way.
Colin Firth and Julianne Moore
Our friend Philip saw a preview screening of A Single Man, the first movie directed by Tom Ford of Gucci design fame, and suggested we see it pronto so we hoofed up to the Chelsea cineplex the day after it opened. The movie is based on the book by Christopher Isherwood, the gay English writer who settled in California and wrote, among other things, Goodbye to Berlin, which became the basis of the Broadway musical Cabaret.
I won't tell a lot about the plot except to say the main character is a gay man. The Chelsea cineplex was showing the movie every hour on the hour, and when we went the theater was completely packed with gay men, not an empty seat in the house. Well if you can't do that in Chelsea, where can you?
I would describe it as art film; quiet, slow, beautiful, not a lot of talking, then a lot of talking. When it started it reminded me of a Fellini movie. Though the movie is filmed in color it almost seems like it's in black and white. In it I spotted Richard Buckley, a journalist and Tom Ford's partner, whom I knew back in the day. Colin Firth is George, the single man, and though you may have seen him in Bridget Jones's Diary and Pride and Prejudice, it's though you see him here for the first time. He gives a deeply nuanced performance which yesterday received a Golden Globe nomination.
As befits Tom Ford, the style in this movie is really fantastic. Set in 1963, almost everything, including the clothes and the interiors, is cast in neutrals – greys, browns, white, black. Colin Firth has had a Tom Ford makeover - thin body, handsome haircut, big black glasses, beautiful sharp suits, white French cuff shirts with elegant cuff links. Though George is a college English professor presumably living on a professor's salary, he lives in a gorgeously designed mid-century modern house and drives a swanky Mercedes. President Kennedy is heard on the radio so we are in the same time frame here as Mad Men – and the dashing main character in the grey flannel suit. It's interesting how that moment in history is now at the forefront of popular culture and style.
The amazing Julianne Moore plays Charley, George's English friend.
She is in a relatively short scene but she's one of those actresses who you absolutely cannot take your eyes off of. She too has been nominated for a Golden Globe. TD used to run into Julianne Moore regularly in the bakery on Jane Street; unfortunately, I never had the pleasure. In this movie, the makeup on her eyes is intricate and complex, and her red hair is set in great swoops which swirl around her head, defying gravity. Her fanciful artifice contrasts with her somewhat heartbreaking situation.
Practically the only color in the movie is found in Charley's house. It's entry hall is filled with orange trees and exotic orchids, and her boudoir features romantic print fabrics and soft textures.
The whole movie really is an eyeful. I've been talking about this a lot on the blog recently, but you really see a simplicity here which is an inspiration, the elegance of a well-tailored suit with a white shirt and beautiful cuff links and a solid tie that matches the suit – a style first adopted by Cary Grant. When we got home from the movie, I picked up a magazine and saw an ad for a Tom Ford fragrance, picturing the man himself in a grey suit, grey tie, white shirt and silver cuff links.
It's a Tom Ford world, we just live in it.
Watch the trailer of A Single Man:
I came across an interview on The Daily Beast.com of Tina Brown talking to Tom Ford. Miss Bell enjoyed it too.
Here is Tina Brown's interview with Tom Ford – it's good:
Tom Ford: "If you can visualize it, you can do it."
Labels: A Single Man, Tom Ford
A Beautiful Thing to the Rescue
This ornament from my youth is decorated with my childhood nickname.
Honestly, I was not feeling in the holiday spirit. The job search has been tough since my work ended at the ad agency after Labor Day. Anyone need an advertising copywriter?! There have been some starts and stops, but in this economy the media business in New York is sort of a disaster and the job search has not been easy or pleasant. But it was time to get our Christmas tree.
We have been getting our Christmas tree for twenty-one years from Billy Romp who arrives every year at Thanksgiving-time from Vermont to sell trees at the the corner of Eighth Avenue and Jane Street. When TD and I first moved in together we lived on the top floor of this building at 35 Jane:
There are window seats in the windows, and one year we looked down and saw a red pick-up truck below and this:
Piles of fresh Christmas trees lining Eighth Avenue like a city forest. That was in 1988, and we've been going to Billy Romp ever since, even after we moved off of Jane Street. On Friday we walked over. It was freezing cold out. We found Billy there, and helping him out was Evan. Evan was the boy who lived upstairs with his parents when we lived at 76 Jane. We attended the celebratory baby shower and remember the day he was born. When the house was sold on Jane Street, Evan and his mother moved to the upper west side. It was great to see him again. He said he's now eighteen, and applying to colleges. Gulp.
We picked out a nice tree and caught up with Billy Romp. Here he is now:
A couple of years ago he published a children's book called Christmas on Jane Street, and I have to say Billy Romp is great at getting the publicity! Just yesterday there was a big article about him and his ex-wife in The New York Times.
Billy trimmed the bottom of our tree and placed it on a cart. We said good-bye until next year and Evan carted the tree home with me to 15th Street.
We carried it up two flights and Evan put the tree in the tree stand. It took a couple attempts to get the tree straight. I really enjoyed catching up with Evan.
When TD got home we put lights on the tree. (We're kind of obsessed with the lights. TD likes them pushed into the tree and I pull them out so you can see them better.)
We got out the boxes of ornaments. We have two large boxes that are kept under the bed. I love our ornaments – there are antiques and things we've made and paper ornaments TD cut out. I stick everything on the tree including small Christmas cards and pine cones and decorations off of presents.
A work in progress.
When it was done I felt better. This tree is really pretty. With a tall slender shape, it fits into our space and reaches up to the ceiling. The colorful lights and all of the ornaments which hold sentimental value make me happy. At night the tree delights my eye. Now I have to chill out. These next three weeks in the business world will be quiet so there probably will not be much happening in the job market. I want to enjoy the holidays and appreciate the moment and be grateful for a life of beautiful things.
Labels: holiday, Jane Street
A Symposium on American Fashion
After I visited the "American Beauty" exhibition at F.I.T, I was invited to attend the accompanying symposium on American Style, which was intriguing. Though I did not attend the entire two-day symposium, which included many noteworthy speakers and talks, I did catch Caroline Rennolds Milbank (above) who spoke about the origin of the American Look, and Kohle Yohannan (below) who talked about two important designers, Valentina (below left) and Claire McCardell (below right).
American fashion occupies an interesting spot in the world of style. In most cases American fashion can't really compare to the fantastic confections and complicated creations which come out of Paris and the French couture. On the other hand, the simplicity, the clean lines, the comfort, the ease and usefulness, the speed of American fashion means that it expresses a modernity all it's own. "Chic is nothing, but it's the right nothing," goes the line. That to me is American style.
Caroline Milbank is certainly a name that I recognize; she has written several books on fashion including Couture and New York Fashion. She explained in her talk that after the American Revolution when the United States was still a newborn country, its people desired a new fashion which was simple and lacked ostentation – the opposite of European royal court dress.
Later of course American style did incorporate opulence. But a simplicity always remained at its core. In the twentieth century Claire McCardle came up with the wonderful American invention of sportswear separates – jackets, shirts, skirts, pants meant to mixed and matched. She created clothes that were for a vigorous, strong, American body. Her designs from the 40s allowed for freedom and movement but were also beautiful and timeless like this draped gown wrapped with a sturdy belt.
Halston, another great innovator in American fashion, further whittled away superfluous elements in the 70s and edited fashion down to pure luxury, like cashmere sweater sets and silk, halter columnar gowns which elongated the body like this one on Marisa Berenson.
You can see threads of Claire McCardle and Halston in contemporary American designers like Michael Kors and Isaac Mizrahi. As for the place that the United States holds in the history of fashion, I thought Caroline Milbank made an insightful comment at the end of her talk about the impact of American style when she said, "It's hard to look at something simple or plain and understand how radical it was at the time."
Get Handsome!
Helping men "Get Handsome" was the recent Pop-up Flea organized by the clever boys at the cool menswear website A Continuous Lean. The pop-up store was located in a space on Mulberry Street in Nolita.
Lots of great vendors who make well-designed and crafted goods were selected and invited to sell their wares. It attracted a stylish crowd, natch.
Down a flight of stairs led to more clothes, shoes, and accessories.
Rogues Gallery was there from Portland, Maine. They make hand-printed t-shirts featuring nineteenth century motifs. I've seen their work before at John Derian.
At the pop-up store you could pick the colors of your t-shirt and ink, and the motif you wanted, and it was printed right then for you. Loved that.
In another room were antiques and collectibles.
The charming J.P. Williams, a graphic designer raised in Alabama and educated at Yale, was selling vintage staplers.
I bought one for my desk. It reminds me of the stapler my great-aunt Zibby had on her desk at 611.
Near the front door were the brothers Bray, Chris and Kirk of Billykirk, the handmade leather goods crafters. My friend Richard Haines at the blog What I Saw Today recently told me about the Bray brothers, who are developing a large and devoted following. The brothers grew up in Minnesota and now make their popular Billykirk leather goods in Jersey City.
Here is Kirk on the right with assistant Madlen.
At the Pop-up Flea, they were making custom double-wrap buckled leather bracelets with a threaded slit. You could choose the colors of the leather, thread and buckle. I chose a dark brown leather with a forest green thread and pewter buckle. Then Madlen made it while I watched.
TD got it for me for my birthday.
Don't you love it when that happens?
Seriously, the Pop-up Flea was great fun and I'm looking forward to the next one. After all, the world can always be more handsome.
Labels: Billykirk, Menswear
Ziff's Dazzlers
I was delighted the other night to attend a private viewing of the Tamsen Z jewelry collection designed by Ann Ziff. The event was held at the Alexander Gallery on Madison Avenue at 74th Street, across the avenue from the Whitney Museum of American Art.
I was quite taken with the Alexander Gallery, located on the second floor, which specializes in American and European paintings and antiques.
Salmon color walls, offices with fireplaces, art and antiques everywhere – what a swell place to work.
The view from the party down to Madison Avenue.
In a central gallery, the lady of the hour was showing, and selling, her work to her friends. Ann Ziff started collecting precious beads and stringing them on to necklaces. Her artistry and expertise grew, and now she designs all kinds of precious and semiprecious jewelry. The displays were quite dazzling.
A giant ring featured a glassy green pariaba tourmaline that was cut in an abstract, modern shape and surrounded with diamonds. There was a breathtaking bracelet of white, yellow and brown diamonds on gold filigree so thin it almost seemed like fabric. This is a bracelet of pink sapphires with yellow and white diamonds.
I even like it out of focus: a sparkling confection of riches.
Thin, dangling earrings were made out of sliced meteorite. A dramatic necklace combined opals with Pre-Colombian gold. This necklace of boulder opals is timeless and classic but at the same time the color combination is unusual and exciting.
The designer is not constrained by traditional notions of jewelry. When I ask Ann Ziff about her design style, she says, ""Off the wall' is a little too strong, but I like the unexpected. I'll combine any stone with any stone as long as it looks good." In Spring 2010, she will be opening her own store on Madison Avenue, in the former Bulgari boutique, to be eponymously called Tamsen Z; Tamsen is Ann's first name. I ask her how she feels about opening a jewelry boutique in a troubled economy, and she replies, "My husband was in publishing and he always said that during a bad economy is the best time to advertise." Ziff's late husband, William B. Ziff, Jr., who passed away in 2006, famously built his family's publishing company, Ziff-Davis, into a hugely successful business based on niche publications like Car and Driver, Popular Photography, and PC magazine. The Ziff family sold the publishing group in 1994.
Her husband had encouraged Ann to begin collecting precious gems of her own. Now, she works continually on her designs, traveling with her gems between her homes on Fifth Avenue, in Aspen and Florida. Ann Ziff is her own best advertising. At her party she wears earrings of her design made of three descending discs of emerald, ruby and sapphire pave. They're set off by her dark hair, which is combed back and cut at the chin. Her emerald green silk blouse has a wide collar which frames the face and leads up to her green eyes. Not a lot of makeup. It's simple, refined, beautiful style; modern but romantic too: a Sargent portrait.
Labels: Ann Ziff, jewelry, Tamsen Z


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Drewberry™ provide pensions, investment and insurance advice for Money to the Masses readers throughout the UK.
< Home > Knowledge > Pension Guides > What Happens to My Pension When I Die?
What Happens to My Pension When I Die?
As part of the new pension freedoms, the government abolished the pensions death tax. This used to slap most pension pots with a punitive 55% tax charge when you left them to your loved ones.
If you wanted your beneficiaries to inherit a pension tax-free, you had to be under 75 and have not touched the pot you wanted your loved ones to inherit, something that doesn't apply to most pensioners.
The new rules make it far easier and less costly for your loved ones to inherit pensions in certain circumstances.
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Which Pensions Can Be Inherited?
The recent changes to the pension legislation mostly affected the inheritance of defined contribution pension pots in income drawdown.
Before the pension freedoms, you were already able to pass down an untouched defined contribution pension pot to your loved ones free from tax providing you died before you were 75. If you were over 75 and/or had touched your pension pot, however, then you'd have to pay a death tax of 55%.
Now, if you've got a defined contribution pension it doesn't matter whether you've touched your pension or not – providing you die before the age of 75, your beneficiaries won't have to pay any tax on either the lump sum they receive or any income they receive from it as a result of investing it in income drawdown or an annuity.
Who Can Inherit My Annuity?
With an annuity, you've entered into a contract with an insurance company to swap your pension pot for a retirement income for life. You're therefore restricted when it comes who can inherit your annuity because usually it's a binding contract between you and the provider that is designed to cease when you die.
There are two main ways to ensure you can pass your annuity on to your spouse:
a joint life annuity – most annuities are single life annuities and cover just the life of you, the annuitant, only, but a joint life annuity will continue paying out a proportion of your annuity to a designated dependent after your death
an annuity with a guarantee period – these annuities will continue paying out for a set number of years to your chosen beneficiary after your death, depending on the length of guarantee period you choose (e.g. if you have a ten year guarantee period and die after only drawing on your annuity for one year, the annuity will pay your beneficiary for nine more years).
Remember, when you choose an annuity that will continue paying a nominated beneficiary after your death, you'll usually receive a lower initial income to compensate for the fact that the insurer anticipates paying out for longer.
Also, joint annuities are mostly used to continue paying a spouse after your death. They weren't necessarily designed for children or other non-relations in mind – most joint annuities will only pay a dependent child up to a maximum age of 23.
Neil Adams
Pensions & Investments Expert at Drewberry
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Can You Inherit a Final Salary Pension?
As with an annuity, inheriting a final salary pension is more complicated than inheriting a defined contribution pension. This is because there's no big pot of money with your name on with a final salary pension.
As a result, if you die not long after you start drawing your defined benefit pension you won't receive as much in income from it as a longer-lived colleague, even though you both may have paid the same amount into the scheme.
Many final salary pensions allow a spouse to inherit your pension via what's known as a widow's or survivor's pension. However, this only usually pays out a reduced pension and the payment ceases on their death.
Transferring a Final Salary Pension…
To get around the difficulties of inheriting a final salary pension and take advantage of the new pension freedoms, one option is to consider a final salary pension transfer
A final salary pension transfer involves taking a cash lump sum to leave your DB pension scheme and investing that cash in a defined contribution pension instead.
By doing so, you're automatically entitled to the same pension freedoms when it comes to leaving your pension to beneficiaries as someone who'd been saving into a money purchase pension all along.
You can use our final salary transfer calculator to get an idea of how much your final salary pension might be worth if you were to transfer out. We're also here for pensions advice if you need to get in touch.
Wealth & Investments Specialist at Drewberry
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Making Sense of Final Salary Pension Transfers
Is leaving your final salary pension scheme the right thing for you?
Making Sense of Inheritance Tax
Could your loved ones face an unexpected inheritance tax bill after you're gone?
How Are Inherited Pension Taxed?
As pensions are held outside a person's estate, there's usually no inheritance tax to pay on pensions. They aren't counted when valuing a pensioner's estate for IHT purposes.
However, you may have to pay income tax on a pension you've inherited, depending on the type of pension the deceased had and the age they were when they died.
A general rule of thumb for defined contribution pensions is that if the pensioner dies before the age of 75, you can usually inherit their pension tax-free.
Tax on Inherited Pension Lump Sums
If there's any cash left in a loved one's defined contribution pension or drawdown fund when they die, you can usually take this as a tax-free lump sum, providing the pensioner dies before they're 75 and you take the cash within two years.
If the pensioner is over 75 when they die, then you'll pay income tax on the inherited lump sum. This should be deducted by the provider before they make the payment to you.
Pensions are held outside your estate, which means they can usually be passed on free from inheritance tax.
However, this only applies to cash left invested in a pension. If you've taken a cash lump sum out of your pension and are holding it elsewhere, such as in a bank account, this will be part of your estate and assessed for inheritance tax.
Tax on Inherited Adjustable Pension Income
If the individual was taking an adjustable pension income from an invested drawdown pot, in most cases a beneficiary can inherit this adjustable income tax-free if the pensioner dies before the age of 75. If the pensioner dies after the age of 75, then you'll have to pay income tax on the adjustable income you receive in the usual way.
How Are Inherited Annuities Taxed?
Under the new pension freedoms, if you're named as a beneficiary on a joint annuity or an annuity with a guarantee period, there's usually no tax to pay on the annuity you've inherited providing the annuitant has died before the age of 75.
This includes income tax, which was previously chargeable to the beneficiary of an inherited annuity just as it would have been levied on the original annuitant.
If the annuitant dies after the age of 75, the beneficiary of a joint annuity or an annuity with a guarantee period will be charged income tax on the annuity income in the usual way.
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Tax on Inherited Final Salary Pensions
When a person with a final salary pension dies, the scheme will usually provide a reduced widow's or survivor's pension to a spouse. It may also provide a reduced income for a dependent child, although only until that child is 23. This offers much less flexibility than if you were to inherit a defined contribution pension.
Depending on the scheme's rules, you may be able to nominate someone else to inherit your final salary pension, but it could face a 55% tax charge as an unauthorised payment.
The beneficiary of your final salary pension will have to pay income tax on that pension income, regardless of whether you died before or after the age of 75.
This is compared to receiving an income from a defined contribution drawdown fund, which is free from income tax if the pensioner dies before the age of 75.
While there's no income tax to pay on most inherited DC pensions if the pensioner dies before the age of 75, you'll usually have to pay income tax on income you inherit from a DB scheme, regardless of when the pensioner dies.
Given this, in terms of the tax treatment of inherited pensions, it may be better to have a defined contribution scheme than a final salary one.
Pensions & Investment Expert at Drewberry
Tax on an Inherited Pension That's Exceeded the Lifetime Allowance
Everyone has a pension lifetime allowance, which represents the maximum amount that an individual can receive from a pension scheme over their lifetime. In the 2016/17 tax year, the pension lifetime allowance is £1 million.
Any pension benefits you receive worth in excess of £1m are subject to the Lifetime Allowance Charge. This is levied at 55% on anything above £1m if you take your pension as a cash lump sum.
If you've exceeded your lifetime allowance and convert your pension to an income, e.g. through an annuity or income drawdown, the Lifetime Allowance Charge is 25% of that income.
The Lifetime Allowance Charge will usually have been paid by the pensioner already if they've exceeded the lifetime allowance.
However, if the pensioner dies before touching their pension – known as leaving it uncrystallised – the Lifetime Allowance Charge becomes due when the pension is inherited by the beneficiary.
Get Help and Advice on Inheriting a Pension
At Drewberry Wealth we're only ever a phone call away. If you need support or advice or you'd like to talk through how a Drewberry Wealth adviser can help, don't hesitate to call us on 02084327333.
Alternatively, drop us an email on wealth@drewberry.co.uk and one of our specialist pension advisers will get back to you.
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PanARMENIAN.Net - Barclays analyst Blayne Curtis and his associates traveled across Asia last week to meet with companies within Apple's supply chain. On Monday, August 27, they shared new predictions based on the information they gathered, MacRumors says.
Barclays says it's "widely understood" that 3D Touch will be removed from iPhones with OLED displays in 2019—aka the third-generation iPhone X and second-generation "iPhone X Plus." However, they caution that the plans aren't finalized yet, so they could change.
Furthermore, "AirPod 2" will launch in the fourth quarter of 2019. Meanwhile, an optional wireless charging case for the original AirPods, and Apple's new AirPower charging mat, will be available this September.
Barclays expects the launch of a "cheaper HomePod in 2019," with "broader appeal." The analysts say HomePod sales continue to "underwhelm," with less than five million sold since it launched in January.
Barclays says it "does see the potential for the new iPhones to support pen input," without naming the Apple Pencil specifically.