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Mike and Matt bring you the latest news in coins and collecting. We are joined by Melissa Kahn to talk about the new club Women Of Numismatics and we check out our coolest things! For more information about Women Of Numismatics email them at womenofnumismatics@gmail.com
The Senior Care Industry Netcast w/ Valerie V RN BSN & Dawn Fiala
https://www.asnmarketingplan.com/ep-103-senior-care-industry-netcast-with-melissa-kahn/Valerie. First of all, good morning, and thank you for having me and thank you for letting me chat with your listeners. My name is Melissa Kahn, and I am the principal owner of Kahn HealthCare Consulting LLC here in Chicago.I worked in the field of aging, Alzheimer's, and healthcare workforce development for more than 25 years, developing preventive care plans for older adults and their caregivers and innovative programs and services for organizations such as CVS Pharmacy, the Department of Labor, the Metropolitan Chicago Healthcare Council, and the National Association of Social Workers. I'm also the author of the Personal Health Care Passport, a tool to better help older adults and caregivers manage care across the continuum.
This week on the podcast, we update some important developments out of Washington related to retirement that occurred just before the holidays.Congress wrapped up the year passing a massive $1.4 trillion omnibus spending bill. Usually with legislation like this, a lot of unrelated legislation gets tacked on and moved through, and this was no exception.One important piece of legislation was included in the bill - and another was not.The bill that did pass is called the SECURE Act. It’s a grab-bag of retirement policy ideas that have been bouncing around Washington for a number of years. But it is important because it’s the only piece of significant retirement legislation to be passed in Washington since 2006, when the Pension Protection Act was signed into law. Laws like this really do make a difference over time. The PPA ushered in some major positive changes like the widespread adoption of target date funds and automatic enrollment of new workers in retirement plans.My guest on the podcast this week will talk with us about what’s good about this bill from a financial services industry perspective. Melissa Kahn is managing director of retirement policy for the defined contribution team at State Street Global Advisors. She is an attorney with extensive experience in the world of employee benefits and regulation. Before joining State Street, she worked as a consultant in the industry and also for more than a decade working in the life insurance business. So she is going to give us a good idea of the arguments the industry has mounted in favor of this bill. There really are two keys things to know about this law. First, it clears the way for a new type of 401k plan aimed at making it easier for small employers to offer retirement plans to workers. They are called open multiple employer plans - or MEPs for short. Small businesses are the least likely to offer plans, so the idea here is that small employers can join plans that would be offered by private plan custodians, like a Fidelity, Vanguard or Schwab. The hope is that small businesses will be enticed by low costs and streamlined paperwork, and an increased tax credit to cover their setup costs. The jury is out on whether that will really happen. I’ve written a number of stories on open MEPs over the last year or two and will include links to them in the subscriber edition of the newsletter this week.Second, the SECURE Act contains a provision that makes it easier for 401k plans to offer annuities. It creates a so-called “safe harbor” that protects plan sponsors from legal liability if anything goes wrong with the insurance company offering the annuity. Instead, it relies on state insurance regulators to certify the safety of the annuity provider.This is really where the SECURE ACT got its push - the insurance lobby has been salivating over this for years and wanted to see it get done.Don’t get me wrong - a serious case can be made for some people to use annuities in retirement. But they’re not right for everyone. One worry here is whether there will be enough education for 401k participants on annuities, when to use them and how. Another major concern: what type of annuities will be offered? Consumer advocates urged Congress to limit the safe harbor in SECURE to cover only simple income annuities. They argued against including things like fixed-index and variable annuities are too complex and confusing for regulators to police, and for participants to understand. They lost on that point.I do think we’re going to see a big push by the companies that administer plans to get annuities into workplace plans. Employers probably will take a conservative approach to it. But we’re already starting to see new products start to take shape, like target date funds with annuities built in. Expect to see more of that.The SECURE Act also includes a couple other significant changes. It boosts the age when you need to start taking required minimum distributions from tax deferred accounts from 70 and a half to 72 and a half. And it phases out the use of stretch, or inherited IRAs. That last one has important implications for people with large tax-deferred accounts who hope to pass those assets on to heirs. (I’m working on a separate story about that which will be published soon.)The second thing I wanted to mention about the omnibus spending bill is something that didn’t make it into the legislation. That is a fix for the looming meltdown in multiemployer pensions. Don’t confuse this with the multiple employer plans I just mentioned. This is very different. These are traditional pension plans created under collective bargaining agreements by groups of employers in industries like construction, trucking, mining and food retailing. More than 100 multiemployer plans covering 1.4 million workers and retirees are underfunded and sponsors have told regulators and participants that they could fail within the next 20 years. The problem is worsening, but Democrats and Republicans in Congress haven’t been able to come up with a plan they can agree on. House Democrats passed a plan last July built around providing low-interest loans to struggling plans. But the Senate has a very different plan. It increases the insurance premiums that plan sponsors pay into the system, and adds new premiums that would be paid by retirees as well, which would effectively act as a benefit cut. It also contains reforms to the discount rate assumptions plans use to project the future health of plans. So Congress is stuck, and by one analysis 44 plans will fail by 2025. They did manage to come up with a bailout for one fund that is on track to fail by 2022 - which is sponsored by the United Mine Workers of America plan. Having a powerful friend like Senate Majority Leader Mitch McConnell - from a big coal producing state - didn’t hurt in getting that done.To hear my interview with Melissa Kahn, click the player icon at the top of the page. One word about this - we taped this discussion just before the holidays, as the Secure Act was headed for passage, so you’ll hear some discussion along that line at the start of our conversation.Subscribe now!This is a listener-supported project, so please consider subscribing. The podcast is part of the subscription RetirementRevised newsletter. Subscribers have access to all the podcasts, plus my series of retirement guides on key challenges in retirement. Each guide is paired with a podcast interview with an expert on the topic; the series already covers Social Security claiming and the transition to Medicare, and how to hire a financial planner. The most recent looks at the critical decision between Original Medicare and Medicare Advantage. Readers also get my weekly summary and analysis of key developments in retirement. This week, it includes analysis of the latest polling of voters on Medicare for All, why we’re headed for a severe shortage of geriatricians to care for the elderly and an ill-advised plan to let ordinary retirement savers invest in risky private equity deals.You can subscribe by clicking the little green “subscribe now” link at the bottom of this page, or by visiting RetirementRevised.com. And if you’re listening on Apple Podcasts, Spotify or Stitcher, I hope you’ll leave a review and comment to let me know what you think. This is a public episode. Get access to private episodes at retirementrevised.substack.com/subscribe
This week, the podcast takes a look at the first major retirement legislation to move through Congress in more than a decade According to some policy folks, it is the most significant retirement legislation since the passage of the Pension Protection Act (PPA) in 2006. That’s hard to debate, but only, as mentioned, because it’s the only retirement legislation to come along since PPA was passed. Several much more pressing (“significant”) retirement matters need to be addressed by lawmakers and policymakers. One is the looming implosion of multi-employer pension plans covering more than 10 million workers and retirees. These were created under collective bargaining agreements and jointly funded by groups of employers in industries like construction, trucking, mining and food retailing. Congress has been working on a solution, and it was good to see a bill advance out of the House Education & Labor Committee this week.Another big issue is weakened fiduciary protection for retirement savers. The Securities and Exchange Commission approved its Regulation Best Interest regulation this month; as expected, it is far weaker than the now-deceased fiduciary rule implemented by the Obama-era Department of Labor. The SEC rule relies on disclosure - here’s 100 pages of fine print, and you’re on your own.And of course the other enormous, looming issue is Social Security reform - if nothing is done by 2035, we’re all looking at a haircut on benefits of about 25 percent.But I digress - back to the legislation at hand - the Setting Every Community Up for Retirement Enhancement Act of 2019 - SECURE for short. The bill recently passed the House of Representatives by a lop-sided, bipartisan margin, and it is under consideration by the Senate now. You can find more in my most recent Reuters column, but in brief, SECURE contains a laundry list of provisions that the financial services industry has wanted passed for a long time. It focuses in four key areas:Increasing access to employer-sponsored workplace savings plans';Getting people in these plans to save more;Add features to workplace plans that get people to focus on how their savings translate to income in retirementIncrease financial literacy on how savings translate into spending and income in retirement.One of the key provisions make it possible for employers to band together to offer a single workplace retirement plan to workers. This typically would be small employers. I’ve been skeptical that this will put much of a dent in the country’s workplace coverage gap. For one thing, it’s not at all clear many plan providers will jump into this market to offer plans. And more-competitive low-cost options for small employers have surfaced since this idea was first hatched some years ago. SECURE also would make it much easier for employers to add the option of converting part of your 401k savings to an annuity at the point of retirement. The idea here is to help assure people of a higher amount of guaranteed income in retirement. Then there’s some small stuff. For example, recognizing that more people are working longer, the age when required minimum distributions must begin would increase from 70.5 to 72. And the maximum age for contributing to an IRA (also 70.5) would be repealed. (Insert yawn here.)But I wanted to get a reasoned defense of the SECURE Act for the podcast. For that, I turned to Melissa Kahn, managing director of retirement policy for the defined contribution team at State Street Global Advisors - a very large company that manages nearly $3 trillion in assets worldwide. Melissa is an attorney with extensive experience in the world of employee benefits and regulation. Before joining State Street, she worked as a consultant in the industry and also for more than a decade working in the life insurance business. She wrote an excellent article recently that does a great job distilling what’s in the SECURE Act.Subscribe during the Spring Sale!This podcast is part of the newsletter I distribute to subscribers to the RetirementRevised.com newsletter. It’s a listener-supported endeavor, and I hope you’ll consider subscribing. Along with the podcast, you’ll get access to the series of retirement guides that I’m publishing right now - brief, downloadable resources to help you understand challenges like optimizing Social Security benefits, transitioning to Medicare from other types of insurance and how to hire a financial adviser. Each guide is paired with a podcast interview with a top expert in the field. Right now, you can take advantage of the Spring sale - half off your first year. Check it out using the “subscribe now” link at the bottom of this page, or visit the website for more details.If you’re listening on Apple Podcasts or Stitcher, please leave a review and comment to let me know what you think. You’ll be helping me get more visibility for the show. If you like what you see here, I hope you’ll consider subscribing, too. This is a public episode. Get access to private episodes at retirementrevised.substack.com/subscribe
This week, it's my pleasure to introduce, Melissa Kahn is the founder of Run, Heifer, Run! Melissa has an inspiring life story about how running transformed her lifestyle. Now she supports people with similar struggles such as food addiction, sedentary lifestyle, or a lack of confidence to participate in the exercise like running. This is a brilliant podcast about the importance of physical activity in the sports industry, and ENJOY!!
The Head Heifer is back! Melissa Kahn is an awesome lady, and in our first chat we dove deep into her weight loss journey, being a Jenny Craig spokesman, and the formation of Run Heifer Run. This time, we are talking about the continued growth of the herd, the no bull mentality, and how she ended up in Nepal to do a triathlon not too long ago. Check out the full show notes for this episode at http://DizRuns.com/578 Today's Episode of the Show is Sponsored by Be Ready on Race Day: How to Create a Custom Training Plan for Your Next Marathon or Half Marathon http://BeReadyonRaceDay.com Love the show? Check out the support page for ways you can help keep the Diz Runs Radio going strong! http://dizruns.com/support Become a Patron of the Show! Visit http://Patreon.com/DizRuns to find out how. Get Your Diz Runs Radio Swag! http://dizruns.com/magnet Subscribe to the Diz Runs Radio Find Me on an Apple Device http://dizruns.com/itunes Find Me on an Android http://dizruns.com/stitcher Find Me on SoundCloud http://dizruns.com/soundcloud Please Take the Diz Runs Radio Listener Survey http://dizruns.com/survey Win a Free 16-Week Training Plan Enter at http://dizruns.com/giveaway Join The Tribe If you’d like to stay up to date with everything going on in the Diz Runs world, become a member of the tribe! The tribe gets a weekly email where I share running tips and stories about running and/or things going on in my life. To get the emails, just sign up at http://dizruns.com/join-the-tribe The tribe also has an open group on Facebook, where tribe members can join each other to talk about running, life, and anything in between. Check out the group and join the tribe at https://www.facebook.com/groups/thedizrunstribe/
eCareDiary will speak to Melissa Kahn, Principal/Owner of Kahn Healthcare Consulting, LLC about the impact on care when English is not your native language and tips and resources for those who need help with translation and interpretation.
In this episode we chat with Melissa Kahn and Scott Rieke, who have joined forces to form Team Ordinary Heifers.
In this episode we chat with Melissa Kahn and Scott Rieke, who have joined forces to form Team Ordinary Heifers.
In this episode we welcome Melissa Kahn to the podcast who tells us her running story and how she started the blog runheiferrun
In this episode we welcome Melissa Kahn to the podcast who tells us her running story and how she started the blog runheiferrun
By the time I finished reading an article titled Thank You for Calling Me "Fatso" by Melissa Kahn, I was simultaneously in tears of sadness for the pain she endured and exuberantly proud to be a human being living on the same planet with her. I also knew, immediately, that I would have Melissa be a guest on this podcast to talk about her experience of being bullied because of her weight and, most importantly, how and why she turned her life around to support and encourage others. Listen to our inspiring conversation: Listen on iTunes or Listen to/download this episode here: This episode is sponsored by: Please support our sponsor by visiting their site and learning more about them! Love the show? Click here to Tweet a shoutout! Want to sponsor episodes of the LIAM podcast? Click here. Mentioned in this show: Melissa Kahn website: www.RunHeiferRun.com article: Thank You For Calling Me Fatso Join Bruce's Mastermind Group Worry No More! book Download: Affirmations for Abundant Living LIAM Team Life Coaching Community Subscription/Social Links: Subscribe on iTunes! Subscribe on Stitcher Radio! Watch on YouTube! LIAM on Twitter: @LifeIs262 LIAM on Facebook / LifeIsAMarathon Subscribe to the LIAM Mailing List www.BruceVanHorn.com Bruce Van Horn on Twitter Bruce Van Horn on Facebook
By the time I finished reading an article titled Thank You for Calling Me "Fatso" by Melissa Kahn, I was simultaneously in tears of sadness for the pain she endured and exuberantly proud to be a human being living on the same planet with her. I also knew, immediately, that I would have Melissa be a guest on this podcast to talk about her experience of being bullied because of her weight and, most importantly, how and why she turned her life around to support and encourage others. Listen to our inspiring conversation: Listen on iTunes or Listen to/download this episode here: This episode is sponsored by: Please support our sponsor by visiting their site and learning more about them! Love the show? Click here to Tweet a shoutout! Want to sponsor episodes of the LIAM podcast? Click here. Mentioned in this show: Melissa Kahn website: www.RunHeiferRun.com article: Thank You For Calling Me Fatso Join Bruce's Mastermind Group Worry No More! book Download: Affirmations for Abundant Living LIAM Team Life Coaching Community Subscription/Social Links: Subscribe on iTunes! Subscribe on Stitcher Radio! Watch on YouTube! LIAM on Twitter: @LifeIs262 LIAM on Facebook / LifeIsAMarathon Subscribe to the LIAM Mailing List www.BruceVanHorn.com Bruce Van Horn on Twitter Bruce Van Horn on Facebook
The phrase "Run, Heifer, Run started as a lighthearted jab between friends when the RHR founder, Melissa Kahn, first started training for marathons and triathlons. For founder Melissa Kahn, the heifer spirit started very young. A lifelong food addict, Melissa remembers the moment she started self-loathing, She was only eight when she went swimming after eating a delicious plate of chicken thighs draped with buttery skin, typical of the rich Jewish food her family enjoyed. She hadn't finished licking her fingers clean before her grandmothers sister scooped her up to spend the rest of the day at the community lap pool. Check out her website for more at www.runheiferrun.com
eCareDiary will speak to Melissa Kahn, Founder of Kahn Healthcare Consulting and author of The Personal Healthcare Passport about things to prep for and list of important documents to get ready before hospitalization.
eCareDiary will speak to Melissa Kahn, Principal/Owner of Kahn Healthcare Consulting, LLC about common pitfalls caregivers face when dealing with hospitals and tips to best advocate for oneself and loved ones.
After living 40 years dealing with morbid obesity, Melissa Kahn stopped giving herself excuses, downloaded the Couch to 5K app and figured out how to turn it all around. Now she is preparing to compete in the Himalayan Rush Triathlon in Nepal. Melissa is one of Aftershokz's ShokzStars. Aftershokz are bone conducting headphones that don't fit inside your ears allowing you to hear your surroundings. www.twitter.com/melissakahn7 #iKahn www.instagram.com/runheiferrun www.runheiferrun.com www.facebook.com/groups/1258761827491617 www.himalayanrush.com www.aftershokz.com www.aftershokz.com/blogs/news/shokzstar-takeover-interview-with-melissa-kahn www.twitter.com/aftershokz www.facebook.com/AfterShokz www.youtube.com/channel/UCyNdHJA6ZlAtDNQJUoqJKdA www.instagram.com/aftershokz Visit bissell.com/adventuresports to learn more and buy your very own BARKBATH! And when you use the coupon code ADVENTURESPORTS you’ll receive two bottles of free no rinse shampoo with your order. This coupon code is good for a limited time only.
After living 40 years dealing with morbid obesity, Melissa Kahn stopped giving herself excuses, downloaded the Couch to 5K app and figured out how to turn it all around. Now she is preparing to compete in the Himalayan Rush Triathlon in Nepal. Melissa is one of Aftershokz's ShokzStars. Aftershokz are bone conducting headphones that don't fit inside your ears allowing you to hear your surroundings. www.twitter.com/melissakahn7 #iKahn www.instagram.com/runheiferrun www.runheiferrun.com www.facebook.com/groups/1258761827491617 www.himalayanrush.com www.aftershokz.com www.aftershokz.com/blogs/news/shokzstar-takeover-interview-with-melissa-kahn www.twitter.com/aftershokz www.facebook.com/AfterShokz www.youtube.com/channel/UCyNdHJA6ZlAtDNQJUoqJKdA www.instagram.com/aftershokz Save 20% off the best freeze-dried meals you’ll ever eat with Peak Refuel (@peakrefuel). Use the code ASP20 at checkout by visiting https://peakrefuel.com/ Gear up for the 2018-2019 ski season by shopping Powder7 Ski Shop's massive selection of new and used gear at https://www.powder7.com/ Support the Adventure Sports Podcast by giving as low as $1/month to our efforts to produce this show at https://www.patreon.com/AdventureSportsPodcast Call and leave us a voicemail at 812-MAIL-POD or 812-624-5763 or send an email to info@adventuresportspodcast.com