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Using pension contributions for mortgage payments ‘not attractive’

first_imgThe issue of deploying pension contributions for mortgage payments has been on the agenda for pensions reform in the Netherlands since at least 2011, when trade union RMU came up with the proposal.Last month, social affairs minister Wouter Koolmees said he would assess the possibilities of making it an option for savers in a new pensions system.The researchers at ASRE highlighted that they only looked at the financial impact of using pension contributions for paying off a mortgage, and said that they hadn’t taken any possible legal or practical hurdles into account.Contribution flexibility pros and consResearch published by Tilburg University and the Netherlands Bureau for Economic Policy Analysis last year called for Dutch workers to be granted greater flexibility over how they use their pension savings, claiming the benefits of such freedoms would outweigh the risks.At IPE’s annual conference in Dublin in December, panellists also debated alternative uses for pension contributions.During a panel discussion, Michael O’Higgins – a former chair of the UK’s Pensions Regulator – suggested allowing people to use auto-enrolment savings to pay off student loans faster. Amlan Roy, chief retirement strategist at State Street Global Advisors, added that the US Treasury department and the Department of Labor were considering “lifetime loan-bundling vehicles” to help younger workers pay off student debt.However, Tim Jones, former CEO of UK defined contribution fund NEST, disagreed strongly with the idea, arguing that: “Pension money is for your later life. No ‘ifs’ or ‘buts’.” Using pension contributions to pay off a mortgage would not be a financially attractive option, a survey by the Amsterdam School of Real Estate (ASRE) has suggested.It found that, on balance, the financial advantage of lower initial housing costs would be more than cancelled out by a lower pension income in retirement.The survey found that households using their pension contributions to pay down mortgage debt would have 6% more income during the entire duration of the mortgage.However, these households would also have a 15% lower pension income, it said.last_img read more

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NFL teams rely on tape with virus altering pre-draft routine

first_img Share This StoryFacebookTwitteremailPrintLinkedinRedditAURORA, Colo. (AP) — Let’s go to the tape.NFL teams are having to rely more heavily on game film of college prospects as they prepare for the draft at a time when the COVID-19 pandemic has halted business as usual across the globe. The social distancing spawned by the new coronavirus has halted pro timing days at college campuses. It’s also led the league to forbid teams from hosting prospects at team headquarters or visiting them for in-person interviews, meetings that are usually such an integral part of the annual evaluations that they can make or break a franchise’s fortunes. April 1, 2020 “He was a transfer there from Tennessee and he had a little bit of a baggage background,” Dorrell said. “But when I met the kid we had a great conversation at the combine, we continued to stay in contact with each other, I continued to do my research with coaches both at Tennessee and at Colorado State. “And you know we felt that we got a steal, to make a long story short, when we were able to pick him up as an undrafted free agent in Miami last year,” Dorrell said. “If you don’t dive into the information like that, you tend to miss a lot of things.” As Elway prepares for a draft unlike any other, he said a radical decision Fangio made this spring is paying unexpected dividends as the team builds its draft board for the April 23-25 selection process.Fangio didn’t take his assistant coaches to the combine in Indianapolis at the end of February and instead had them work remotely back in Denver evaluating players at their respective positions.“It helped us tremendously, I think,” Elway said. “Vic had the coaches stay home from the combine and spend one full week on the draft so all the coaches got all of their reports in on the players in this year’s draft. That was beneficial. Then, we’ll hold interviews with the players over the telephone or whether it be in Zoom instead of having the 30 visits that we’ve had. Associated Press “We’ll just have to conclude the best we can from what we can see on the tape,” Denver Broncos general manager John Elway said in a conference call Tuesday.Broncos coach Vic Fangio said scouts and college personnel appraisers are fond of suggesting that ninth-tenths of the evaluation of a player is based on what he did in college, with just 10% coming off the NFL scouting combine, college pro days and personal interviews.“This is the year it will really be tested,” Fangio said. “It will be 90% what you see on tape, and we’ll go from there.”Fangio is putting a positive spin on the situation.“We do not have the workout times that you normally have to evaluate guys, but sometimes those workout times and that information just clouds the issue,” Fangio said. “It’s nice to know what a guy runs a 40 in, but how fast does he look on tape is more important. NFL teams rely on tape with virus altering pre-draft routine “To me it’s always been best when I see it live and when I see them running around, when I see them competing against each other. Those are the best telltale signs of making your evaluation,” Dorrell said.And, Dorrell said, that holds true whether it’s an NFL assistant assessing college talent as he once did or a college coach checking out a high school prospect as he’s doing now.“I’d rather see the person to evaluate a person. When I was in the NFL evaluating receivers, the combine’s fine, but that’s a group setting and you’re not really getting specific information that you need,” Dorrell said. “I would get more out of when I went back to that particular student-athlete’s university and worked him out and got him on the board and we talked football and we did all these different things.”A recent example he pointed to was former Colorado State receiver Preston Williams, whose off-the-field issues kept him from getting drafted last year.Williams signed with Miami after getting bypassed in the seven-round draft and had 32 catches for 428 yards and three touchdowns before a knee injury cut short his sensational rookie season. “A lot of times you can guess how fast a guy runs, generally speaking. It’s more important what the tape says.”Less than an hour’s drive from the Broncos’ headquarters, new University of Colorado football coach Karl Dorrell is lamenting how FaceTime has replaced face time with his players because of the shelter-in-place and stay-at-home orders that have been issued amid the pandemic.While emphasizing that these measures are what’s most important to curtail the spread of the virus, Dorrell, who left his job as the Miami Dolphins receivers coach to take over at Colorado following Mel Tucker’s departure in February, said truer evaluations are made in person.“Tape kind of gives you an idea, but from my experience, it’s getting your hands on the players on the grass,” Dorrell said. “That’s when you know what you have. You can kind of feel their movement, their explosiveness, their lack thereof, anything that are important ingredients for you to make an assessment.”That’s why he’s so eager for normalcy to return, so that he can get up-close looks at the roster he inherited. “So, I actually feel pretty good about where we are. With the draft staying where it is, it is fine. We’ll just move ahead and deal with the hand we’re dealt.”___Follow Arnie Melendrez Stapleton on Twitter: http://twitter.com/arniestapleton___More AP NFL: https://apnews.com/NFL and https://twitter.com/AP_NFL,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6last_img read more

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The Buildup: How Jim Boeheim became the master of the 2-3 zone

first_imgJimmy was not a great individual defensive player, but he was very smart. He knew how to play angles offensively and defensively.Dave Bing If you want to learn zone, there’s only one zone to study. That’s Jim Boeheim’s 2-3 zone.Seth Greenberg, ESPN analyst & former NCAA head coach Published on January 28, 2014 at 3:25 am Contact Stephen: sebail01@syr.edu | @Stephen_Bailey1 Jim Boeheim stands by the Carrier Dome court and shrugs off question after question as he watches his players warm up before practice.The questions are the same ones he’s been asked over and over again — the same ones he’s downplayed for years. The longtime Syracuse icon stretches his lips and tilts his head, continuing to understate everything about the 2-3 zone that one former Big East head coach called one of the greatest weapons in the history of the sport.“The zone is like the Mariano Rivera cutter,” said ESPN analyst Fran Fraschilla, a former St. John’s head coach. “Mariano will throw the cutter 3-2, two outs in the ninth, and that’s how Jim’s zone is. If man-to-man is a fastball, normal zones are curveballs, Jim’s zone is the Mariano Rivera cutter, nearly impossible to hit.“You may break a bat on Jim’s zone on occasion but you’re not hitting grand slams on it.”Boeheim has been studying the 2-3 zone defense for 52 years to be exact — longer than about 70 percent of the American population has been alive. There may be no icon in sports history more closely associated with a singular tactical operation.And yet there was no eye-opening moment of enlightenment. The man described by others as ingenious and masterful describes the growth of the zone as gradual. He talks about the defense not the players. And he even presents the system as simple and replicable — though that’s just his inclination to skate over and simplify it.AdvertisementThis is placeholder textFrom Boeheim’s first days trying to crack the Lyons Central junior varsity zone in practice, to orchestrating Syracuse through his first 20 years, the head coach accrued a vast wealth of knowledge. He’s absorbed every possible wrinkle and rotation on the hardwood and instructed hundreds of players how and when to utilize them.That’s why, around 1996, he decided to switch to the zone full time.File Photo“Finally it dawned on me,” said Boeheim in a candid moment after his team’s 61-50 win over Indiana in last year’s Sweet 16, “after about 27 or 28 years that if we played zone all the time and didn’t waste time playing man-to-man and put some wrinkles in the zone, that our defense would be better.”But before all the flash and fame, Boeheim was a scrawny, 6-foot-3 guard for Lyons Central High School. At about 155 pounds, he was a pretty good physical model for the guards he would recruit half a century later.But he was more offensive minded. Had there been a 3-point line, teammates agreed his team-leading scoring average as a senior would have been higher.His coach, Dick Blackwell, first introduced the concept of zone defense to Boeheim and six of his friends who played together from sixth grade through graduation.“He taught me a lot about basketball,” Boeheim said.Teammates Don Oakleaf and Mike DeCola remember their sophomore year when the deft-shooting Boeheim was bumped up to varsity. In practices, the JV squad would often play a zone and have to extend their guards up on Boeheim.“Personally I don’t think there’s any question that his experience in high school carried over,” Oakleaf said. “He had plenty of time to see how effective they were.”Courtesy of Don OakleafBlackwell used the 2-3 and 2-1-2 zones about 30 percent of the time against most teams, but predominantly in the team’s two games against rival Newark Valley each year.Oakleaf — the center who was only slightly taller and about 20 pounds heavier than Boeheim — said the team had to play zone against a stockier opposing big man.“We never lost to Newark,” Oakleaf said with a chuckle.Coming to Syracuse as a freshman in 1962, Boeheim’s next coach was Fred B. Lewis. He was more of a yeller than Blackwell. And he played more zone, but relied most heavily on full-court pressure.The same rotations Boeheim practiced in high school carried over to college, where he starred alongside fellow freshman and roommate Dave Bing.center_img Bing said that as a player who thrived with the ball in his hands, Boeheim’s ability to communicate with him on the court was crucial to the team’s success.His perception was unmatched by other teammates, and as Boeheim moved into coaching, Bing said it allowed him to slow the game down and notice smaller details of the defense.“I think he just picked up on what they were doing,” Bing said, “the little nuances that we didn’t do well back then.”He was hired as a graduate assistant by Roy Danforth in 1969 and became a full-time assistant soon after. Boeheim said he often asked Danforth to play more zone. And once Danforth left for Tulane in 1976, Boeheim did it himself.Close friend P.J. Carlesimo, who was an assistant coach at Fordham at the time, remembers how quickly Boeheim’s first few teams mastered the zone.“A lot of those teams were not nearly as athletic as the later teams,” Carlesimo said, “but they always played the zone very, very well.”Boeheim utilized the zone more than his predecessors, but not all the time. He encouraged his teams to trap in the low post and the corners — the same fundamental defensive principles Blackwell outlined when he started playing.Defending the corner 3Defending the low postBoeheim plugged players of all different shapes and sizes into his system.The Lee brothers, Jimmy and Mike, highlighted Syracuse teams in the early 1970s before giving way to the Louis and Bouie show. Louis Orr and Roosevelt Bouie revolutionized fast-break offense coming out of the zone.And some of that duo’s success stems back to a conversation Boeheim had with Bouie, his first-ever recruit and a 6-foot-11, 225-pound speedster of a center.It was Bouie’s freshman year in 1976 and he was struggling to adjust to college life, as well as the zone’s intricate defensive slides.The troubles shook his nerves. So Boeheim told him not to overthink the technical movements. Just focus on moving quickly.“If you can work so hard in practice every day that when you finish practice it’ll take you 15 minutes before you can bend over and take your shoes off,” Boeheim said, “what more can I ask of you?’“That took a big weight off my shoulders,” Bouie said.File PhotoAs the years went on, Boeheim gradually ran more and more zone. He learned to work in each rotation during the preseason and integrated a six-on-five drill that allowed the first-team defense to prepare for the next game.If the upcoming opposition featured a sharpshooter, Boeheim would pluck another player from the sideline — Leo Rautins in Bouie’s era — and have them prepare the guards for extra-fast slides.If the upcoming opposition featured a high-post threat, Boeheim would place an extra man there.He even learned to adapt with the game. When the 3-point line was introduced in 1986, Boeheim pushed his wings up to defend the perimeter and dropped his center. The zone defined the heyday of Big East basketball for some, as many coaches labored to find a way to beat it.Pete Gillen, who was an assistant coach at Villanova (1978–80) and Notre Dame (1980–85) before taking the helm at Providence from 1994–98, recalled a ploy he took from longtime Louisville head coach Denny Crum: back-screening the weak-side guard.Weak-side guard screenSix days after getting stomped by the one-loss Orangemen on Jan. 7, 1998, Gillen’s 6-7 Providence squad dropped 76 points in the Carrier Dome en route to a mammoth upset.“We probably weren’t a very good team, but we beat them up there,” Gillen said.Boeheim had plenty of games like that during his first 32 years of growing the zone. In truth, he had plenty of every kind of game during that span. And through it all, the zone proved to be the key ingredient in his winning formula.As the Carrier Dome horn blew, indicating the start of practice, Boeheim raised his eyebrows before answering one last question in typical Boeheim fashion.So why did you decide to go to the zone full-time?“I just thought we were best with it.”Read part 2 → Commentslast_img read more

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