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17 Eylül 2014 Çarşamba

Dream Cruise: Driving a Brand-New, 50-Year-Old Ford Mustang Down Woodward Avenue





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In case you weren’t already aware—and how could you not be?—an all-new Ford Mustang has arrived. Like all long-running nameplates such as 911 or Suburban, questions of whether the new Ford pony car will live up to the ghosts of its past dog the latest model. To acquaint myself with what it is, exactly, that those ghosts have to say, I strapped myself into a fully restored, classic 1964½ Ford Mustang and took a cruise down Detroit’s legendary Woodward Avenue.


The 1964½ Mustang notchback you see here belongs to Hagerty Insurance, which purchased it last year before treating the car to a full yet sympathetic restoration at its Traverse City, Michigan, headquarters, as a way to celebrate the model’s 50th anniversary. Driving any old car is an event for this near-vintage-virgin author, so I was particularly stoked the morning of my rendezvous.


Perhaps it was my Bullitt-clouded vision of what an ideal early Mustang looks like, but in person this particular car appeared frail. Unlike a bad-ass Highland Green GT fastback, this upright notchback wears nondescript Wimbledon White paint, and it seems as if the exhaust pressure from, say, a 2015 Mustang GT could cause it to tip over. It is nearly bone stock, the sole concession to performance being a set of radial tires mounted on contemporary GT-spec wheels, fitted to ease the car’s 250-mile journey from Traverse City to Detroit.


Our photographer Michael Simari and I are given a quick walkaround of the car, with our Hagerty host pointing out its early-build status and the fact that, aside from the paint, interior upholstery, radiator support, and right-front fender, the car retains most of its original parts. In Mustang parlance, this is an “F-code,” meaning it has the small 260-cubic-inch V-8 that was nixed from the options sheet within a few months of the Mustang’s April 1964 debut, largely due to the vastly improved performance and drivability of the available 289 V-8.



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With no experience driving a car this old under my belt, I had imagined that the starting process would require choke-fiddling and perhaps sprinkling some River Rouge sediment into the carb, but a simple turn of the ignition key fires the V-8. The floor-mounted 3-speed manual may be down at least 2 gears to most modern self-shifters, but with reverse occupying the gate typically reserved for first and that gear living down and to the left—it’s a dogleg ‘box, so second is up and to the right with third below that—a surfeit of confusion obfuscates the deficit of choice for uninitiated folks like me.


Nevertheless, I get the hang of it and ease out of the parking space as our chaperone warns me that the Mustang lacks power steering, power brakes, a tachometer, or an alternator. Early Mustangs came with a generator, which doesn’t run at low engine speeds. I am told the “GEN” light beside the steering column will illuminate every time the car is at rest—this is totally normal—but that we’d have issues if it popped on at speed. I think conditional dash lights need to make a comeback; the masses might pay more attention behind the wheel if bulbs had multiple meanings and one of them was an eventual total loss of electrical power.


Pulling out onto Woodward’s wide stretch of blacktop, the V-8 makes noise, but it’s a cacophony competing with a lot of other sounds. Stirred in with tire roar and gear whine, the serenade is more droning Zamboni than thundering Motor City muscle. Shifts must be executed deliberately and are rendered almost pointless by the 8’s flat torque curve and the tall gearing. It may have been the opening salvo in the pony-car wars, but the Mustang certainly isn’t much for a frenetic pace. A yellow Smart For2 pulls away from us at a traffic light, a tragedy that prompts me to bin further assessment of the Ford’s acceleration.



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Stopping is way more exciting. Having experience with unboosted brakes, I avoid a fitful, “oh s#$ t!” first stop, but getting all 4 drum brakes to halt in a manner that fits within the urgent pace of modern traffic flow nonetheless requires excessive pedal force. Similarly, cranking the unassisted steering takes muscle at low speeds. Once underway, the wheel goes surprisingly light and unsurprisingly vague, with reinlike on-center feel exacerbating the Mustang’s tendency to leisurely sashay within Woodward’s wide lanes. Settling into a steady cruise, the pony trots happily if drunkenly, the ride smooth and composed.


Between keeping the thing pointed straight and planning my next stop—is that a red light? fiddlesticks—I’m plenty busy. Turning around at one of Woodward’s countless median crossovers, the steering rack’s glacially slow ratio demands hand-over-hand flailing. Back on the avenue, windows rolled down and an elbow perched atop the door, life is good—and less sweaty. Soon, though, I’m parking the little coupe, the V-8 going quiet as sweet gasoline fumes hang in the air.


It is, predictably, tough not to love the ’64½ despite it being so flawed and crude by modern standards. It comes from an era when cars dripped with personality, when the connection between man and machine was still relatively unfiltered, when driving was viewed as a rite of passage and a privilege rather than a right. The Mustang was an affordable and frisky bomb dropped on an unsuspecting car world during a period of social upheaval, when the definition of freedom was expanding to include so much more than hitting the open road. Yet that simple act remained at the core of the American experience, and so did cars; the Mustang helped spur the muscle-car movement, wherein auto companies gleefully peddled their wares to the increasingly horsepower-addled and restless youths who gave voice to an entire generation. This year, the new Mustang will battle with a new iPhone for young peoples’ attention.




Yet, curiously, current events seem to echo those of 50 years ago—there’s an escalating muscle-car horsepower war, the U.S. is squabbling with Russia, and people have gathered in a southern town to protest racism and abuses of power. But a rough, unrefined pony car like the 1964½ Mustang isn’t viable today, and even the outgoing version, for all the voodoo Ford engineers performed to get its live axle to behave, was somewhat pigeonholed by nostalgia. Modern buyers demand refinement, safety, and vastly improved performance, and the remastered 2015 Mustang will attempt to resonate with today’s young enthusiasts with its newly independent rear suspension, its sleek styling, and its modern gadgetry. In the meantime, you’ll be able to find me cruising the classifieds—online, of course—for an affordable 1964½.



5487b 1964.5 Ford Mustang reel 1







Dream Cruise: Driving a Brand-New, 50-Year-Old Ford Mustang Down Woodward Avenue

10 Eylül 2014 Çarşamba

New TPD guidelines open up avenue for appeal





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When it comes to total and permanent disability (TPD), individuals want to feel extended and tough about the level of cover they require. The reality is even though that most men and women don’t, hence the only cover they have is a default quantity in their superannuation fund.


The government’s Stronger Super reforms recognize this and indeed quite rightly try to make certain that a superannuation fund member who suffers a total and permanent disability has each and every likelihood of obtaining a payout.


1 way they have addressed this is to broaden the time period and relax the requirements for folks who want to appeal a decision relating to the Superannuation Complaints Tribunal (SCT).


There are a handful of adjustments but the most significant effect is for those who have not offered up operate permanently. Most superannuation TPD policies will payout when you can’t work in ‘any occupation’ that you would reasonably be anticipated to hold based on your coaching, education and encounter.


This creates fairly a large grey region and one particular in which a claim may be rejected, particularly if the person continues to work in a position which they consider is outside of the function that they would be expected to hold offered their education education and knowledge.


Operating in some capacity may possibly properly have substantial positive aspects for someone who has skilled a TPD occasion, particularly from a mental well being aspect, but these people had been properly excluded from claiming their insurance coverage below the old appeal rules.


Old guidelines


Regrettably, the old guidelines still apply if a trustee declined your claim below for a Total and Permanent Disability prior to 1 July 2013. In this case you can only appeal to the Superannuation Complaints Tribunal (SCT) if:


  1. You ceased permanent employment and made a claim to the super fund trustees inside 2 years of carrying out so and

  2. You make a complaint to the SCT within 2 years of the super fund rejecting your claim

New rules


There are 2 alterations which influence men and women wishing to appeal against a decision produced by super trustees post 30 June 2013.


  1. For those who left operate permanently – As per the old rules you need to nonetheless make a claim to your super fund trustees inside 2 years of finishing perform. However, under the new rules if you wish to complain about their decision you now have up to 4 years to lodge a complaint with the SCT.

  2. For those who do not give up permanent employment – These folks have up to 6 years to appeal to the SCT.

This second point is substantial as it provides a group of claimants an avenue to appeal that wasn’t previously obtainable to them, and opens an avenue for appeal in the sometimes grey area of ‘any occupation’.


One particular thing the changes haven’t carried out although is to boost the time period from leaving employment to producing a claim against your Super TPD policy. This was debated during the industry discussion around stronger super alterations, the arguments becoming that folks might not make a claim inside the 2 years as at the time they are confident of rehabilitation or they are getting financial support from elsewhere. Sadly though it did not come to pass. So if you know anyone who has stopped function due to a TPD event or mental illness, ask them if they have spoken to their superfund concerning their insurance coverage claim choices. The clock might be ticking.







New TPD guidelines open up avenue for appeal

New TPD guidelines open up avenue for appeal





c797b 475432945 200x200
When it comes to total and permanent disability (TPD), people require to believe extended and challenging about the level of cover they require. The reality is though that most people do not, therefore the only cover they have is a default amount in their superannuation fund.


The government’s Stronger Super reforms determine this and indeed fairly rightly attempt to ensure that a superannuation fund member who suffers a total and permanent disability has each and every possibility of acquiring a payout.


A single way they have addressed this is to broaden the time period and unwind the requirements for individuals who want to appeal a selection relating to the Superannuation Complaints Tribunal (SCT).


There are a handful of alterations but the biggest impact is for those who have not offered up work permanently. Most superannuation TPD policies will payout when you cannot perform in ‘any occupation’ that you would reasonably be expected to hold primarily based on your education, education and experience.


This creates fairly a big grey region and 1 in which a claim could be rejected, especially if the person continues to function in a position which they contemplate is outside of the role that they would be expected to hold provided their training education and experience.


Working in some capacity may possibly well have substantial benefits for someone who has knowledgeable a TPD event, particularly from a mental health aspect, but these people have been effectively excluded from claiming their insurance coverage below the old appeal rules.


Old rules


Sadly, the old guidelines nevertheless apply if a trustee declined your claim under for a Total and Permanent Disability prior to 1 July 2013. In this case you can only appeal to the Superannuation Complaints Tribunal (SCT) if:


  1. You ceased permanent employment and created a claim to the super fund trustees within 2 years of doing so and

  2. You make a complaint to the SCT inside 2 years of the super fund rejecting your claim

New rules


There are 2 modifications which impact people wishing to appeal against a choice created by super trustees post 30 June 2013.


  1. For these who left function permanently – As per the old rules you must nonetheless make a claim to your super fund trustees within 2 years of finishing operate. Nevertheless, beneath the new guidelines if you wish to complain about their choice you now have up to 4 years to lodge a complaint with the SCT.

  2. For these who do not give up permanent employment – These individuals have up to 6 years to appeal to the SCT.

This second point is important as it gives a group of claimants an avenue to appeal that wasn’t previously accessible to them, and opens an avenue for appeal in the at times grey location of ‘any occupation’.


1 issue the changes haven’t completed though is to boost the time period from leaving employment to creating a claim against your Super TPD policy. This was debated throughout the market discussion around stronger super modifications, the arguments becoming that folks could not make a claim inside the 2 years as at the time they are confident of rehabilitation or they are getting monetary assistance from elsewhere. Unfortunately although it did not come to pass. So if you know anyone who has stopped perform due to a TPD occasion or mental illness, ask them if they have spoken to their superfund relating to their insurance claim choices. The clock might be ticking.







New TPD guidelines open up avenue for appeal