VPR Commentary: Tax policy perspective

first_imgVermont Public Radio Commentary. Monday June 22, 2009McQuiston: Tax policy perspective LISTENBy Timothy McQuiston(HOST) Commentator Timothy McQuiston suggests that when you hear politicians talking about taxes, it isn’t so much about fairness, it’s about jobs.(McQUISTON) Tax policy is all in your perspective, it seems to me. While the Legislature has focused on the property tax and the direct impact it has on local constituencies, governors have generally looked at the bigger picture and the income tax.In the latest, harrowing row over the state budget, which resulted in the first-ever budget veto, the Legislature cut the income tax, albeit slightly, for anyone making under 200,000 dollars and raised it for everyone else.Governor Douglas proposed lowering the highest marginal rate for income over 375,000 from 9.5 percent to 9 percent – and you might well be wondering, “Why?”Well, take the case of golfer Tiger Woods. Tiger’s participation in the US Open at Bethpage Black in New York State, means that he will have to pay New York state income tax on whatever prize money he wins. But Tiger officially lives in income tax free Florida. So if he has to pay income tax where he earns it, why not live in his home state of California? Because Florida, like New Hampshire, is tax free for earned income.Tiger makes a bundle on the PGA tour, but most of his income comes from endorsements and other non-prize money sources – video games, golf equipment, clothing deals. Heck, Tiger could live in New Hampshire. All he’d need to do is stick around for six months and one day in the Granite State. But I suppose the Sunshine State offers more opportunities to work on your game.In Vermont terms, what Governor Douglas and his predecessors have been concerned about, is that business owners and other top managers make decisions about where to locate or expand a business in part on how it affects their own wallets. And if they move their business out of state, jobs go with it.If your adjusted gross income is one million dollars, you’re going to pay $51,000 in Vermont taxes. If your income is 100,000 – still a nice income – your tax will be only a little over 3,000. But if you move your company over to New Hampshire, you’ve essentially given yourself and your employees a nice raise without having to increase payroll one penny.It makes you happier; it makes your employees happier; and it makes the State of New Hampshire happier. In recent years, both Howard Dean and Jim Douglas have fought the Legislature over the income tax for these very reasons.It’s clear that many business owners are willing to pay more to live here – sometimes a lot more. Others have no choice because of the nature of their business and they either like it or lump it. But make no mistake – the lure of “tax free” is very real.last_img read more

Colombian authorities melt firearms to keep them away from the FARC and the ELN

first_img The government of Colombia recently melted down 18,000 firearms that security forces had seized from two terrorist groups, the Revolutionary Armed Forces of Colombia (FARC), the National Liberation Army (ELN), and several criminal gangs. Authorities will use the metal from the melted down weapons to help build schools and hospitals. Officials began melting the seized weapons in large furnaces at the National Steel (SIDENAL) facility on July 22 according to a press release from the General Command of the Military Forces of Colombia. The facility is located in the town of Sogamoso, department of Bocayá. The Armed Forces and National Police (PNC) agents seized the weapons in 2014 during several coordinated joint operations which also involved the Attorney General’s office, according to the General Command. These efforts were supported by the mayors of several towns. In some towns, the disarmament campaigns were organized by citizens. It was the largest operation the Armed Forces has carried out in recent years to melt down weapons seized from suspected terrorists and criminals, Vanguardia reported. The campaign complies with several international commitments, among them the Inter-American Convention against the Illicit Manufacturing of and Trafficking in Firearms (CIFTA). Handguns, machine guns, rifles, and shotguns Security forces transferred the seized weapons to the Department for the Control and Sale of Arms and Explosives (DCCA) – among them, handguns, automatic machine guns, rifles and shotguns. The firearms, most purchased illegally, were valued at about five million pesos. The DCCA takes an inventory of the weapons, which authorities keep for three months. After the weapons have been stored for three months, authorities begin to destroy them, according to Col. Enrique Arturo Torres Arciniegas, director of the DCCA. From 1992 to November 2013, Colombia melted down more than 400,000 weapons seized from criminals and criminal organizations, the General Command reported. It typically takes DCCA three to four days to melt down the weapons. Authorities will use the iron and steel from the weapons to reinforce the foundations and columns of hospitals, schools and houses in areas where the military’s “Sword of Honor” plan is in effect, according to El Colombiano. Sword of Honor is a strategic military plan to aggressively confront the FARC, the ELN, and other armed criminal groups. The goal of the program is to dramatically reduce the capacity of the insurgency and to improve public safety. President Juan Manuel Santos announced the launch of the Sword of Honor initiative in February 2012. Since authorities launched Sword of Honor, 93 percent of the country’s municipalities have been free of guerilla attacks, Defense Minister Juan Carlos Pinzón said on August 3. Destroying weapons to improve public safety The FARC and the ELN have about 10,000 and 3,000 members, respectively, according to Nestor Rosania. He’s the director of the Center for Security Studies, Defense, and Internal Affairs of Colombia (CESDAI). The FARC purchases firearms on the black and gray markets, said Yadira Gálvez, a security analyst at the National Autonomous University of Mexico (UNAM). “It is very difficult to trace the origin of the weapons. These arms virtually come from gray or black markets,” Gálvez said. “The black market is related to direct trafficking; the weapons are sold illegally right from the beginning. The gray market has weapons that enter (the market) legally and are later stolen or transferred.” Authorities believe that melting down large numbers of weapons that might otherwise be used by terrorists and organized crime operatives helps improve public safety and save lives. Using the steel obtained from melted down weapons to help build schools and hospitals sends a symbolic message about the importance of peace, Gálvez said. “The Colombian government is delivering on these goals to prevent repeated cycles of violence,” the security analyst said. Between 1958 and 2012, the conflict between the FARC and government killed 220,000 people, according to ¡Basta ya!, a report from the Colombian National Center of Historical Memory. Since 1994, drug traffickers have killed about 20,000 people, according to the Economist. About 5,200 of these people were police officers. Security initiative to reduce gun violence Colombian security using various initiatives to seize guns from terrorists and organized crime groups and to interrupt drug smuggling networks: • On Aug. 11, National Police agents in the El Páramo district, in Cúcuta, captured José Giordano Grass Prieto, who is also known as “El Armero.” Police captured El Armero inside a clandestine workshop which was allegedly used to store, repair, and alter firearms for Los Rastrojos, a drug trafficking group. Police seized a shotgun, molds to manufacture ammunition magazines, and drums for revolvers, Vanguardia reported • On July 31, the Criminal Investigations Directorate of the National Police finished dismantling a gang that allegedly built submarines used by organized crime groups to transport weapons and drugs. Police arrested Alexander Giraldo Santa, who is also known as “El Ingeniero” or “Chiqui.” He has allegedly manufactured boats for the Clan de Úsuga since 2011, according to the website Veracruzanos. Colombian security forces will remain vigilant in the battle against firearms violence, President Santos said. “We will not lower our guard. We will continue fighting the guerrillas and transnational organized crime syndicates,” President Santos said on August 5 during the commemoration of the National Army’s 195th anniversary. By Dialogo September 01, 2014 Wonderful. I hope they exterminate the FARCs and the ELN for the sake of Colombia and mankind. An iron fist with weapon and drug trafficking to stop this violence now. I love it, congratulations!! This is good. There should be no weapons left in the planet. EXCELLENT, THE MORE WEAPONS ARE MELTED THE LESS WARS AND DELINQUENCY THERE WILL BE. THE SAME SHOULD APPLY WITH DRUGS. CONGRATULATIONS TO THE GOVERNMENT. I’d just like to know if here in Bolivia the authorities are going to do something for the safety of the citizens? I pray to God that he be the one to guide our authorities to find a way to end the weaponry that as of now, even the most humble people have them and can find them anywhere because there are no measures that forbid its use or acquisition. That’s good. There should be no arms left in the world. The information is very good and of current interest regarding the fight against terrorism. Hope you succeed and keep it up. I really liked this idea. I wish they would do the same thing with drug trafficking. Very good. I congratulate you. I hope and God willing that they would do the same thing in Venezuela against the underworld; deaths going unpunished every day, no medicine or diapers for babies, food more and more expensive, personal items aren’t [illegible]. Where will we end up? But carry on, God will save us. I’d love to know about the peace process. What a farce. Where are the actual executioners behind this???? Fabulous. I hope the world’s terrorists, the U.S. do this, too. This is also being done by the Venezuelan government. I think it’s good that the government is doing it, is should keep doing in order to prevent so many deaths. It’s a good response to the enemies of Colombia and of freedom. THE ENTIRE WORLD NEEDS PEACE – WAR IS A BUSINESS THAT NEEDS TO END NOW – NO MORE CASUALTIES, SUFFERING AND PAIN FOR HUMANITY. Good day, I hope the idea is implemented her because there are more bullies and thieves here who kill because here is no arms control I think that here the government itself seizes them then sells them again to the criminals. This is horrible with all the insecurity and lack of goods The important thing is to follow the line, less words and more facts. The weapons they melt are obsolete Excellent idea because no war is good, and having the weapons creates the temptation of using them again. A nation is not measured by the number of weapons it has, but by the education of its people. It’d be good to transform weapons into shovels, hoes, tools for heavy work and give them to people to get an education on land or do courses at the SENA, or to people who suffered a loss in the family due to the misuse of these weapons. Yet another lie, always deceiving and lying to the people and the naive believe it! What a farce ! All the countries should. be of one mind to put an end to all the weapons. Because they put an end to the beautiful creation of our God which is us, all human beings. Very good government measure. verygood Wonderful and important for peace and reconciliation in our country, which is what we’ve been begging for, in order for there to be true progress. We should not just melt down the weapons, but the criminals, too, and create jobs so that others don’t go down the same path. That is how to bring peace. osver.I think this is a tremendous initiative to destroy elements of war and turn them into instruments of peace, solid bases to create educational spaces for a better future for our youth. This is great for all the people and entities involved in the melting of firearms in exchange for dreams and hope. KEEP DESTROYING THEM — THERE SHOULD BE NO FIREARMS — ONLY FOR NATIONAL DEFENSE As long as corruption in the armed forces is not controlled, there will always be weapons for sale and the business will never go away. A double standard that only favors the current government to make people believe we live in a peaceful haven. I liked it because I could learn more about the FARC and the weapons The war business has to be deactivated in order to invest in the country’s development, and in improving the quality of life of the people. Whatever Santos thinks or says, are lies. He’s cynical, false. It’s a stupid little story to say schools are made in Colombia with the iron from revolvers. G.Uribe. P. Wouldn’t it be better to put an end to abject poverty, unemployment and injustice? Even if the weapons that are found are melted down, what do we do with the U.S., the main supplier of weapons in the world? They are the greatest creators of violence that exist, but since our governments are puppets of the gringos, no one says anything against them. The war in Colombia is as much internal as external. No, well, given the approval Mr. National Prosecutor Montealegre gives to the FARC terrorists, the military and police forces have their hands tied, because of the implications that could befall the Armed Forces of Colombia. I can’t understand what interest this prosecutor has to pardon these narco terrorists and relentlessly go after the forces of law and order in my country. Or is it that this is the prosecutor who receives money from the FARC? An accusation made by an Army General. Why doesn’t hr open an investigation against former Senator Piedad Córdoba, when she urged the indigenous people in Cauca and the coca growers to expel the public forces, isn’t that a crime? Or is it that this Prosecutor believes the left is in charge and can break the laws as many times as they want? Does this prosecutor know it’s a crime against humanity? Montealegre, father of the genocidal FARC, EP. For sure he’ll have me investigated now. The best thing they can do is to melt down the weapons confiscated from illegal groups so they don’t get returned to criminal activities. This way they are in the custody of security forces.last_img read more

Summit Credit Union’s Project Money – Part 2

first_imgFirst, make sure you check out our first blog post about Summit Credit Union’s Project Money, where we learned what it is and its history. In this second part, we’ll conclude our overview of Project Money with Amy Crowe, Financial Education Specialist (and CUDE) at Summit Credit Union, to hear more about the programs impact, lessons learned, and more. Enjoy!What lessons did you learn along the way?With twenty eight participants over seven years working in their seven-month programs respectively — there are many, many lessons learned, daily, weekly and monthly. The program helps hold people accountable and that is a strong motivator for change.When people take control of their finances, we see that it can help so many other aspects of their lives.  We’ve had individuals dramatically change the way they live life – from a “you only live once” attitude of living paycheck to paycheck, to saving money for the future including what they see for themselves in retirement.We’ve had couples who were on completely different pages about money work to gain understanding, refocus on their dreams, and come together to reach common goals. Several couples have commented that learning to talk about money improved communication in general. One couple even said it may have saved their marriage.Through Project Money, we have seen that when you learn more about how to manage your money, you’ve learned a lifelong skill. That skill impacts nearly every aspect of your life and it’s empowering and motivating. continue reading » 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Banks should act like credit unions

first_imgCredit union memberships are growing at more than three times the rate of U.S. population growth as more consumers recognize the credit union difference.Credit unions rank first among industries in the American Customer Satisfaction Index and reflect double the score of big banks on the Chicago Booth Kellogg School Financial Trust Index.More recently, credit unions received among the highest marks for service that Consumer Reports has ever given an industry in the magazine’s “Bank & Credit Union Buying Guide.”Banks are noticing, and they’re stepping up their anti-credit union rhetoric in response. New, sustained campaigns aimed at convincing policymakers that credit unions represent unfair competition are again the order of the day.As in the past, the solutions bankers are peddling include more regulation and changes to the credit union tax status. continue reading » 19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Good Governance: The importance of a truly independent supervisory committee

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr We’ve seen an important trend relevant to a good number of state credit unions nationwide. It’s one of those quiet trends that we believe could—in the long run—have significant governance consequences, perhaps for the entire credit union community. It is the transition of a good number of supervisory committees to the form of an audit committee. And with more state regulations allowing such a transition, more and more credit unions are taking the opportunity to make it.While federally chartered credit unions are still required to maintain a supervisory committee, many state regulators have allowed the credit unions they regulate to operate with an audit committee made up entirely of board members, and the number of states (and credit unions) moving in this direction is growing. Further, some federally chartered credit unions, for various strategic reasons, are converting to state charters, thereby opening up the door to even more credit unions making the shift to an audit committee.The difference between supervisory committees and audit committees can at times be significant, and those differences often come down to two key factors:last_img read more

Apple reopening 25 more US stores, will soon top 100 worldwide

first_imgThe stores will impose social-distancing rules, limit occupancy and some will offer only curbside or storefront service, she said.Apple does not disclose its retail store revenue. Direct sales, including retail stores, web and corporate sales, accounted for 31% of its $260 billion in 2019 revenue.Chief Executive Tim Cook declined last month to provide an outlook for the June quarter, citing business uncertainty created by the virus. First-quarter sales in China, reflecting that country’s store closings and lockdown, were $9.46 billion, about $1 billion less than for the same period a year earlier.Last week, Apple reopened its first five stores in the United States, requiring customers and employees to undergo temperature checks and wear masks before entering the premises.Apple has 510 stores worldwide and 271 in the United States.The website 9to5Mac reported that the company would reopen 10 of its stores in Italy beginning on Tuesday. Topics : Apple Inc will this week reopen more than 25 of its branded stores in the United States, the company said on Sunday, continuing a gradual process that has unlocked doors at nearly a fifth of its worldwide retail outlets.The iPhone maker in March shut all its stores outside of Greater China in response to the spread of the coronavirus. It started shutting its more than 50 Greater China stores in January and reopened them by mid-March.”Our commitment is to reopen our stores when we are confident the environment is safe,” Deirdre O’Brien, Apple’s head of retail, wrote on Sunday in a note on the company’s website.last_img read more

Lady Twisters Successful Weekend At Richmond

first_imgThe Oldenburg Academy Lady Twisters Tennis Team participated at The Richmond Invite during The Weekend placing 2nd.OA 3 Silver Creek 2 (District rank #4)    JV: OA won 4-1Richmond invite: OA finished 2nd out of 8 teams.OA. Kathryn Wilder – lost to Alexandria, beat Connersville, Northeastern; Angela Wanstrath – beat Richmond, Alexandria, Centerville — she won her #2 singles flight!; Sarah Price – beat Northeastern, Centerville, lost FC; Hanna Hurm/Sarah Preston – lost FC, beat EC, Northeastern; Claire Hollingsworth/Carsen Thompson – beat Conn, Northeastern, lost FC.Here was the order of team finish based on points.1. Franklin Central, 2. OA, 3. Alexandria, 4. Centerville, 5. Richmond, 6. Northeastern, 7. East Central, 8. Connersville.Coaches comments: ‘We had a good win versus a highly ranked opponent in Silver Creek. While it was a 3-2 final, we won convincingly at 1 & 3 singles and 1 doubles. And the matches at 2 singles and 2 doubles were very tight. At Richmond, we also had a good day against some big schools and quality opponents. Everyone had a winning record on the day while Angela went undefeated and played especially well, winning her #2 singles flight.’ Twisters Coach Mark Wilder.OA record on season 5-0.  District rank: #6Next opponent: Mooresville on Monday (4-23)last_img read more

Tennis News US Open: Novak Djokovic defeats del Potro by straight sets, wins 14th Grand Slam title

first_img For all the Latest Sports News News, Tennis News News, Download News Nation Android and iOS Mobile Apps. New Delhi: Serbian superstar Novak Djokovic on Monday defeated Juan Martin del Potro by straight sets to bag his third US Open title. This is also the second consecutive Grand Slam title for the Serb following his 6-3, 7-6 (7/4), 6-3 victory over del Potro taking him to level with Pete Sampras’ 14 Grand Slams.“When I had my [elbow] surgery this year I could understand what Juan Martín went through. When you’re down, you learn. I tried to take the best out of those moments. I was hoping Pete [Sampras] was going to be here, so I want to say: ‘I love you, hope to see you soon,” said Djokovic court-side.ALSO READ: Eng vs Ind 5th Test, Day 3: Check complete scorecard as hosts dominateDjokovic is now just three Grand Slams behind Rafael Nadal and six behind Roger Federer, who holds the record of 20. This was the third incident when Djokovic completed the Wimbledon-US Open double after missing out the last year’s tournament with an elbow injury.The victory was Djokovic’s 15th win over del Potro, as the Argentine suffered an emotional breakdown after the heart-breaking defeat, nine years after he became the US Open winner. “It’s not easy to speak right now, but I am so happy to play in the final against this magnificent player. I’m sad to lose but happy for Novak. I never gave up during my wrist problems. I got back after nine years, which is amazing,” said Del Potro.Djokovic’s win means that the ‘Big Four’ of Nadal, Federer, Andy Murray and Djokovic have bagged 50 out of 55 major titles.ALSO READ: Paris: Seven people left wounded in knife attack, assailant arrestedThe main reason behind Djokovic’s victory was the way he won the lung-busting rallies.Leading Grand Slam title winners:20: Roger Federer17: Rafael Nadal14: Pete Sampras, Novak Djokovic12: Roy Emerson11: Bjorn Borg, Rod Laver last_img read more

Guyana finish third at Caribbean Boxing Championships

first_img-Allicock and Abiola Jackman win gold medals on final nightGUYANA finished third at the 2019 Caribbean Boxing Championships after winning nine medals against a tough field of boxers in Trinidad  and Tobago over four nights of competition, which concluded on Sunday evening at the Na­tion­al Cy­cling Cen­tre (NCC) at Bal­main, Cou­va.Trinidad and Tobago, which had a field of 25 boxers, are the new champions, while Barbados just pipped Guyana by a single point to place second.  Some 17 nations, including powerhouse Cuba, participated in the championships.Guyana had initially selected a team of 21 boxers, but funding only allowed for 13.   Nine of them  won medals.  Sisters Alesha and Abiola Jackman and defending Caribbean bantamweight champion, Keevin Allicock, led the charge with three gold medals.Three other boxers finished with silver medals, including Dennis Thomas, who became a two-time Caribbean middleweight silver medallist.  Thomas lost to US Virgin Islands’ boxer, Deion Pruitt via points.  Keevin Allicock (centre) defended his bantamweight title at the regional championships.National Open best junior boxer, Mark Crawford, also lost in the final when he tackled 2018 Caribbean Junior Welterweight champion, Blessing Waldropt from T&T, in the Youth Lightweight 60kg division.Jullius Kesney also went down to Bajan boxer, Jabali Breedy, in a bantamweight battle.The bronze medal winners were Kevin Hunte, Josh Howard and Daren France.Emanuel Pompey did not get a chance to fight after Barbados decided to pull out their boxer from the competition. The middleweight (75kg) boxer had opted to drop down to 69kg to compete.Meanwhile, there were several strange decisions by the judging panel, which forced Guyana to protest two of the decisions.DOMINANT SISTERSAfter 15-year-old Alesha Jackman had won gold on Saturday night, it was her 17-year-old sister’s turn on Sunday evening. The East Ruimveldt resident was able to display her superior boxing skills against local girl Kinesha Clarke.  Abiola, who attends the Business School (on a scholarship), used a combination of punches to stop her older opponent in one minute and 30 seconds into the first round of their Women’s Novice Division 69Kg final.Allicock, who was Guyana’s trump card, lived up to expectation when he dominated his USVI opponent, Otoniel Ortiz in their bantamweight final.The Guyanese dominated the fight from the start with left hooks and right hands and focused body shots, which led to a unanimous victory.Team Guyana was scheduled to arrive back home last evening.last_img read more

Badgers hope to rebound against Nittany Lions

first_imgMATTHEW KUTZ/Herald photoAs the Badgers approach their rematch with Penn State, the signs might point to a season sweep for the Nittany Lions.No. 3 Penn State (19-2, 10-0 Big Ten) comfortably parked itself atop the Big Ten volleyball standings with a two-game lead, thanks to a perfect first half of the season.But while the Lions are clicking on all cylinders, the Badgers (16-3, 8-2), who slipped four spots in the rankings to No. 11, have sputtered a bit at midseason. With an illness plaguing senior outside hitter and co-captain Aubrey Meierotto, UW barely got by Michigan State in five games, then lost ground in the conference race with a heartbreaking defeat — 16-14 in the fifth game — at unranked Michigan.”Aubrey brings so much to the team in a couple of different areas,” said head coach Pete Waite. “She is a great attacker with great pace on the ball. She’s able to block some of the best hitters in the conference, and she probably has the toughest serve on our team.”You take those three factors out, and you’ve got to make up a lot to stay at the level we’ve been playing,” Waite continued.Now, with Meierotto expected to return for Friday night’s match at University Park, the Badgers will try to recover and steal a win against Penn State tonight, followed by a match with Ohio State (14-5, 7-3), just one game back and nipping at Wisconsin’s heels.With the surprising loss to Michigan, and two upcoming games that UW could potentially lose, the Badgers are determined to not tumble from their elite status in the Big Ten.”[The Michigan loss] motivated us. That game showed us how much harder we have to work,” outside hitter Audra Jeffers said. “I think it was just a great learning experience for everyone, and it’s helped us prepare for this weekend.”Outside hitter Maria Carlini is coming off the best match of her career, posting a personal-best 29 kills against the Wolverines. Obviously, Carlini found it difficult to enjoy her breakout match in defeat.”I just wish we could have come out with the ‘W,'” Carlini said. “It was hard, losing 16-14 in the fifth game. It was just tough. But everyone battled, everyone fought hard.”Carlini said that the Badgers learned some things from a lesser Michigan team that can be put into effect against Penn State.”It taught us that we have to be aggressive right from the get-go, and not wait until we’re down four or five points before we start to really play our game,” she said. “It taught us we need to be stronger when we do get the lead and maintain it, to not let anyone take it from us.”On Oct. 8, the Lions came into the Field House and were greeted by a crowd of 6,774 fans, the third-largest attendance in the country this year. Seeing as Penn State was unfazed by the road atmosphere, the Badgers have had to undertake some extra preparation before going to University Park.”Where we thought we were working hard, we weren’t working hard enough,” Jeffers said. “This week, everyone has come in with the mentality that we just have to step it up every play in practice, every drill, and just work a lot harder as a team.”Like any good team, Wisconsin has kept a short-term memory when it comes to past results against both the Lions and the Buckeyes. The Ohio State match on Oct. 7, one night before the Penn State defeat, was just as decisive, but fell in UW’s favor.”We’re trying not to focus on those matches, we’re trying to look at what we did wrong when we played Penn State the last time, what we need to improve on,” Jeffers said. “We’re not dwelling on the loss or celebrating the win, we’re just going to move on and try to beat [both teams] this weekend.”Waite said the team is staying positive about its chances to knock off a faster Penn State squad by remembering that upsets do happen.”We’ve got to realize that on any given day, anybody can play great ball,” Waite said. “Michigan had been a team at the middle of the pack, but they are very capable of playing with the best in the conference.””Any time you’re a higher-ranked team, people are going to go after you,” he continued. “So obviously, against Penn State, we’re going to have to raise our level of play and the speed of our game to stay right with them.”last_img read more