Podcast appearances and mentions of steve vernon

To honor Season 5 of TRYS, Tom brings back one of his first and greatest Audiobooks "I Know Why the Waters of the Sea Taste of Salt" by Canada's very own Steve Vernon. This time, you'll notice an added tweak to the recording. Hosted on Acast. See acast.com/privacy for more information.

"When I started making senior teams, I thought, “I want to compete at all six championships.” I did that and then was like, “I want to make a final in all six championships.” I did that and then said, “I want to win a medal at all six championships” and I have done that. I've defended titles, I've broken records and championship records. The only thing that's really missing is the global title, which is very hard to get… But I'm going to keep trying and that's all I can do." Great Britain's Laura Muir, the Olympic 1500m silver medalist and three-time 1500m world championship medalist, will return to the 116th Millrose Games at The Armory on Feb. 11 to defend her NYRR Wanamaker Mile title. In this conversation, Laura and I look back at her 2023 season – which was a bit turbulent at times since she parted ways with her longtime coach Andy Young, coached herself briefly and is now working with Steve Vernon. Despite the sudden changes, she still managed to run a season's best of 3:55.16 for the 1500m and managed to make the World Championship final in Budapest, where she finished sixth. One highlight was running 4:15 for the mile in Monaco for a British record. While we look back at last year, we also look ahead to 2024 where she plans to run the 3000m at the World Indoor Championships in March and then go all-in toward getting back on the podium in Paris. Host: Chris Chavez | ⁠⁠⁠@chris_j_chavez on Instagram⁠ Guest: Laura Muir | ⁠@lmuiruns on Instagram⁠ SUPPORT OUR SPONSORS

Dead Airwaves Episode 55: Basket Case By Steve Vernon A macabre sea faring story. Steve Vernon is one of Canada's premier storytellers. He has published numerous novels and story collections, written for children and adults alike, such as Maritime Murder, Where the Ghosts Are, The Lunenburg Werewolf, and his young adult novel Sinking Deeper: Or, My Questionable (Possibly Heroic) Decision to Invent a Sea Monster. He has lived in Halifax, Nova Scotia for almost fifty years. Be sure to check out our anthology to benefit Free Speech! Horrible Little Stories, stories they don't want you to read! Featuring tales by Joe Lansdale Elizabeth Massie Jack Dann Richard Christian Matheson Gary Raisor and more! https://www.amazon.com/Horrible-Little-Stories-They-Dont/dp/B0CGC26NJ1 All proceeds will be donated to thefire.org, a free speech foundation. --- Send in a voice message: https://podcasters.spotify.com/pod/show/mslade/message

The podcast is back this week with the first new episode since February. I'm breaking my radio silence with a special guest. Jill Schlesinger reports on personal finance for CBS television and radio, and she's the host of the very popular radio show Jill on Money. She has just published The Great Money Reset - Change your Work, Change your Wealth, Change Your Life, a book about how to re-think - well, everything in the wake of the pandemic.I interviewed Jill for a recent New York Times story about starting a business later in life. That story was about how solo entrepreneurship can improve your retirement, by helping you delay a Social Security claim and saving and investing. These strategies are a central theme of Retirement Reboot. Jill offered some wonderful insights about how to engineer a transition like that from a financial standpoint. But her book goes much wider than that. In this podcast interview, we discussed some of the transitions that have been meaningful in Jill's own life, and I made sure to get some good financial tips that I hope you'll find helpful.I'll be back with more podcast episodes later in the summer, and the newsletter will be arriving in your inbox periodically between now and Labor Day. Meanwhile, I hope you enjoy my conversation with Jill Schlesinger.Click the player icon at the top of the newsletter to listen to our conversation.Retirement Reboot: The podcastEarlier this year, I produced a series of six podcast episodes focusing on the key themes of Retirement Reboot. It includes episodes on Social Security optimization, navigating Medicare, saving for retirement and more. You can find all six episodes here, or Apple Podcasts, Spotify or IHeart Radio.What I'm readingSocial Security COLA for 2024 is estimated at 3.1% . . . Moving is a big task for many older Americans - these organizers can help . . . Thoughts from Steve Vernon on how to recession-proof your retirement. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit retirementrevised.substack.com

This week on Drew Blood's Dark Tales, a bizarro Texas tale from author Steve Vernon. To watch the podcast on YouTube: http://bit.ly/ChillingEntertainmentYT Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: https://bit.ly/DrewBlood If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: https://bit.ly/DrewBlood Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hello, and welcome to the Retirement Reboot-cast. That's what I'm calling this special podcast series on my new book - Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track. The book was just published in January , so I invited some of my favorite experts on retirement to join me on the show to talk about some of its key ideas. I wrote Retirement Reboot with a very particular group of readers in mind: people getting close to retirement who are not financially prepared. In other words, people who have not been able to save much -or anything - for retirement. They're headed toward a retirement living only on Social Security, which typically replaces about 40% of their working income. Meanwhile, the rule of thumb is that most of us will need to replace at least 70% of our wage income when we retire.The book offers a series of strategies for improving on that math. The key chapters discuss the importance of making a plan, timing your retirement and how to get the most from Social Security and Medicare. But on this episode, let's talk about investing for retirement - even if you're getting a late start. The chapter of Retirement Reboot that addresses this topic walks through a simple approach to saving for retirement, focused on very-low-cost passive index funds. And, it illustrates that it's possible to accumulate a meaningful nest egg even if you're playing catch-up. That's because the goal line is not the day you retire - your investing and returns from it continue well into retirement. My guest is Christine Benz, director of personal finance at Morningstar, one of the premier companies for analysis and research on investing.I chatted with Christine about investing basics like the importance of diversification and balance and keeping fees low. We also get into a few of the more advanced topics, such as asset location and safe withdrawal strategies.Click on the player icon at the top of the newsletter to listen to the podcast. You can also find the program on Apple Podcasts or Spotify (search for “Retirement Revised”).Listen to the Rebootcast seriesNext week, I'll be airing the last episode in this limited-edition series about my new book, Retirement Reboot. I hope you've enjoyed all of these conversations with experts on key retirement topics, but in case you missed any of them, here are links to earlier episodes.* Introduction: An overview of the book featuring a conversation with Chris Farrell, senior economics contributor for Marketplace, the public radio program. Chris wrote the foreward to Retirement Reboot.* Let's Make a Plan. Far too many people don't take the time to make an actual financial plan for retirement – and that's a real misstep. If you don't have a plan, it's impossible to know whether you are on track to meet your goals. My guests are Steve Chen, the founder of New Retirement, and Steve Vernon, the well-known retirement educator and author.* Optimizing Social Security. For most of us, Social Security will be the most important retirement benefit – full stop. Decisions about when to claim can make a big difference in your lifetime income. For this episode, I invited two of the most knowledgeable people I know on the topic of Social Security claiming. Mary Beth Franklin is a contributing editor at Investment News magazine, specializing in Social Security, Medicare and Retirement income. Bill Reichenstein is a professor of investment management at Baylor University, a co-founder of Social Security Solutions – a company that has developed a terrific set of online software tools that help individuals and financial professionals sort through claiming decisions. He is the co-author of a book titled Social Security Strategies: How to Optimize Retirement Benefits. *  Navigating Medicare. Along with Social Security, there's nothing that will have a more important impact on your retirement security than making smart choices about navigating Medicare. Joining me are two top Medicare experts: Tricia Neuman, executive director of the Medicare program at the Kaiser Family Foundation, and Fred Riccardi, president of the Medicare Rights Center.Retirement Reboot in the newsI was a guest on the terrific Friends Talk Money podcast, which is hosted by Rich Eisenberg, Terry Savage and Pam Krueger. The video is below, or listen here. Rich also interviewed me about my six core ideas for improving your retirement outcome for his MarketWatch column. I also joined Chuck Jaffe on his Money Life radio show to talk about the book. Here's the episode, our conversation starts around the 17-minute mark. Or listen to it below:Checked your Social Security statement lately?If you have not yet claimed Social Security, and haven't downloaded your Social Security statement lately, this would be a good time to do it. The statements have been updated to reflect the historic 8.7% cost-of-living adjustment, so your projected benefit just got significantly larger. The new number should be plugged into whatever retirement planning software you (or your financial planner) are using.If you are 62 or older, your future benefit is adjusted to reflect the annual COLA. If you haven't set up your free online account with the Social Security Administration, go ahead and do that. This is where you can access your statement, claim benefits and transact other business with the SSA. What I'm readingThe art of asset location . . . Senior housing that seniors actually like . . . An alternative, optimistic take on population decline . . .Politicians want to keep money out of ESG funds, but it might backfire . . . Did your health plan rip off Medicare? This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit retirementrevised.substack.com

For this week's episode, we spoke to Team New Balance Manchester coach, Helen Clitheroe. After a successful career as an athlete herself, including representing GB at two Olympics, Helen took over from Steve Vernon at Team NB MCR last year. Helen spoke to us about her own career, her transition into coaching, and much more. Enjoy!  Use code PLODCAST10 for 10% off at SportsShoes.com

Welcome to the second edition of the Retirement Rebootcast! This is a special limited-edition podcast series focused on my new book - Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track. On this podcast series, I invited some of my favorite experts on retirement to join me on the program to talk about some of its key ideas. The book's official publication date is today - January 10th!I wrote Retirement Reboot with a very particular group of readers in mind: people getting close to retirement who are not financially prepared. In other words, people who have not been able to save much -or anything - for retirement. They're headed toward a retirement living only on Social Security, which typically replaces about 40% of their working income. Meanwhile, the rule of thumb is that most of us will need to replace at least 70% of our wage income when we retire.The book offers a series of strategies for improving on that math. The key chapters discuss the importance of making a plan, timing your retirement and how to get the most from Social Security and Medicare. I also discuss strategies for building savings, even late in the game, and tapping home equity. From there, I go on to discuss managing your career late in the game, the value of professional advice, how to manage long-term care risk and how to approach the idea of aging in place. On this second episode, let's talk about the importance of making a plan for retirement. It's something far too many people don't take the time to do - and that's a real misstep. If you don't have a plan, it's impossible to know whether you are on track to meet your goals. A plan is not a crystal ball, but it provides a context, and a set of tools for decision-making. And it's very important to approach the plan holistically - it's about much more than saving and investing.For this episode, I invited two experts to join me to help illustrate two important points from Retirement Reboot that I want to get across about planning. Steve Chen is the founder of New Retirement, an innovative low-cost online service that has developed a terrific set of planning tools. Steve's company illustrates how planning isn't just for the wealthy anymore. I also invited Steve Vernon to join me. Steve is an actuary, and a retirement educator and author. He's a leader in developing holistic approaches to planning - he's joining us here to explain why too many people confuse investing and planning, and why a holistic focus is essential.  Click the player icon the hear the podcast - or listen to it on Apple Podcasts or Spotify.The Retirement Rebootcast will have six episodes. Next week we'll take a deep dive into getting the most out of Social Security. My guests will be two of the most knowledgeable Social Security experts in the United States - Mary Beth Franklin of Investment News, and Bill Reichenstein, cofounder of Social Security Solutions and an emeritus professor of finance  at Baylor University.Retirement Reboot in the newsThe New York Times ran an excerpt from Retirement Reboot last weekend. It was adapted from the chapter on the value of financial planning advice . . . I joined Christine Benz and Jeff Ptak for a conversation about the book on the Morningstar podcast The Long View . . . And, I chatted with Marc Miller, host of the Career Pivot podcast, about broad themes of Retirement Reboot.Join me for an interactive workshop on retirement planningI'll be discussing Retirement during an interactive, online workshop on January 24th. I hope you'll join me!The 90-minute workshop, hosted by Bookends University, will offer practical strategies for improving your retirement prospects, even if your savings are meager and retirement is looming! It will draw from material in Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track.We'll walk through core decisions to make now to improve retirement outcomes, including* Timing Your Retirement* Optimizing Social Security* Navigating Medicare* Tapping Home Equity* Building Savings* Financing long-term care needsTuition for the event is $45, which includes a copy of Retirement Reboot. Bookends University is sponsored by Bookends & Beginnings, my favorite independent bookstore. You can pick up your copy at the store if you're local, or have it mailed to you.  This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit retirementrevised.substack.com

Happy New Year - and welcome to the first edition of the Retirement Rebootcast! That's the slightly tongue-in-cheek name I've given to this special limited-edition podcast series focused on my new book - Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track. The official publication date is January 10th, and I invited some of my favorite experts on retirement to join me on the program over the coming weeks to discuss some of the key ideas explored in the book's chapters. I wrote Retirement Reboot with a very particular group of readers in mind: people getting close to retirement who are not financially prepared. In other words, people who have not been able to save much -or anything - for retirement. They're headed toward a retirement living only on Social Security, which typically replaces about 40% of their working income. Meanwhile, the rule of thumb is that most of us will need to replace at least 70% of our wage income when we retire.The book offers a series of strategies for improving on that math. The key chapters discuss the importance of making a plan, timing your retirement and how to get the most from Social Security and Medicare. I also discuss strategies for building savings, even late in the game, and tapping home equity. From there, I go on to discuss managing your career late in the game, the value of professional advice, how to manage long-term care risk and how to approach the idea of aging in place. For this first episode, I wanted to provide an overview of the key themes of the book. So, I decided to turn the tables - and invite another journalist on the show to interview me.Chris Farrell is the senior economics contributor for the national radio program Marketplace. He seemed like the ideal choice to do the interview - since he wrote the forward to the book. Listen to our conversation by clicking the player icon at the top of the newsletter. Or, subscribe to the program on Apple Podcasts or Spotify - just search for “Retirement Revised.”The Retirement Rebootcast will have six episodes, released weekly through January and early February. Next week, we'll consider the importance of making a plan for retirement. My guests will be Steve Chen, founder of New Retirement, and Steve Vernon, an actuary, author and retirement educator. Retirement Reboot in the newsWealthManagement.com published an excerpt from one of my favorite chapters in Retirement Reboot - Toward a new social insurance era. The chapter traces the history of social insurance in America, arguing that we have strayed too far from the roots of these signature policy achievements for the United States. And Mitch Tuchman of Rebalance reviewed the book for Marketwatch, writing: "Any complete retirement planning bookshelf needs a copy of Retirement Reboot. If you're just beginning your journey, it's a great place to start.” Join me for an interactive workshop on retirement planningI'll be discussing my new book during an interactive, online workshop on January 24th. I hope you'll join me!The 90-minute workshop, hosted by Bookends University, will offer practical strategies for improving your retirement prospects, even if your savings are meager and retirement is looming! It will draw from material in Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track.We'll walk through core decisions to make now to improve retirement outcomes, including* Timing Your Retirement* Optimizing Social Security* Navigating Medicare* Tapping Home Equity* Building Savings* Financing long-term care needsTuition for the event is $45, which includes a copy of Retirement Reboot. Bookends University is sponsored by Bookends & Beginnings, my favorite independent bookstore. You can pick up your copy at the store if you're local, or have it mailed to you.   This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit retirementrevised.substack.com

Dementia presents a growing risk for all of us as we age. Research shows that even mild cognitive impairment makes it hard for people to manage their money on their own. Today we speak with Marti DeLiema, Naomi Karp, and Steve Vernon about a project designed to help. It's called the Thinking Ahead Roadmap. It's free on the web and intended to start important planning conversations today.  Links mentioned in the show: https://thinkingaheadroadmap.org/ https://www.linkedin.com/in/marti-deliema-95323535/ https://www.linkedin.com/in/naomi-karp-728355b/ https://www.linkedin.com/in/svernon/

Episode 135: Tom replays an episode from 2021. A handful of young boys is investigating an old house with a strange feline resident. A short story by Steve Vernon known as Cat Call. --- Send in a voice message: https://anchor.fm/tomreadsyourstory/message

The three Witches and a Druid sit around the table talking about their experiences at the most recent Nova Scotia festival, AEGIS, as well as interviews with other participants and their past festival experiences.The story is by Steve Vernon, who is a Nova Scotia author and storyteller, known for his maritime folklore collections including Maritime Murder: Deadly Crimes from the Buried Past, Where The Ghosts Are: A Guide to Nova Scotia's Spookiest Places and Maritime Monsters: A Field Guide (Nimbus Publishing). His latest book, More Maritime Murders: Deadly Crimes from the Buried Past, is due out in September 2022.https://nimbus.ca/authors/bio/steve-vernonSupport us through Patreon if you have a spare coin.https://www.patreon.com/threewitchesandadruid Get bonus content on PatreonSupport this show http://supporter.acast.com/threewitchesandadruid. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Drew Blood's Dark Tales, two dark tales by authors Steve Vernon and Gavin Sibley. To watch the podcast on YouTube: http://bit.ly/ChillingEntertainmentYT Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: https://bit.ly/DrewBlood If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: https://bit.ly/DrewBlood Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, The Annuity Man, Steve Vernon and Naomi Karp discuss:  Safeguarding from financial exploitation  The Money Path: six steps to protect yourself  Things to consider when getting multiple advocates Easing someone else into planning for cognitive decline   Key Takeaways:  Financial exploitation is something you need to safeguard your future self against because as you age, it's only natural that you'd be more vulnerable to making mistakes. Keep in mind that 5% of financial exploitation is done by someone a person knows and trusts.  First, choose a trusted financial advocate. Second, organize your financial information. Third, start a conversation with your advocate. Fourth, explain your situation, goals, values and expectations. Fifth, officially appoint your advocate under a power of attorney. Sixth, acknowledge the signs in advance.  When choosing multiple advocates for your finances, set it up so that decisions won't require the sign-off of multiple people. You can also set up an accountability system to make sure your advocates are doing it right. There needs to be communication in order to avoid conflict.  Getting your parents to agree to planning for cognitive decline might require that you give them a gentle nudge through asking questions. Remember that asking questions is far more engaging than direct statements.    "You get to your late 70's - 90's, let's just be frank, you're quite not as sharp as you used to be. It is the case that you are more vulnerable to making mistakes or being exploited by unscrupulous relatives or friends. The best time to plan for that is when you still have all your wits intact and to put safeguards in place later to be triggered when you might need them." —  Steve Vernon   "You wanna be proactive now because if you get to a point where you are - already having cognitive challenges whether it be mild cognitive impairment or dementia, not only won't you really be able to think through these things in the best possible way but legally you won't even be able to put someone in place. You can't make a power of attorney if you don't have full capacity to understand what it means to make a power of attorney." —  Naomi Karp   Connect with Steve Vernon: Website: https://restoflife.com/   LinkedIn: https://www.linkedin.com/in/svernon/   Twitter: https://twitter.com/stevevernon1   Books: https://www.amazon.com/Steve-Vernon/e/B000APH5FS%3F     Connect with Naomi Karp: Website: https://thinkingaheadroadmap.org/  LinkedIn: https://www.linkedin.com/in/naomi-karp-728355b/    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

In tonight's episode of DBDT, we join Steve Vernon for a creepy country tale of ancient evil and revenge. To watch the podcast on YouTube: http://bit.ly/ChillingEntertainmentYT Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: https://bit.ly/DrewBlood If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: https://bit.ly/DrewBlood Learn more about your ad choices. Visit podcastchoices.com/adchoices

People are living longer. Much longer. How should that change how we plan for retirement? Steve Vernon, President at Rest-of-Life Communications and Consultant for the Stanford Center on Longevity joins us today to talk about the financial and emotional issues we all need to consider.  Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. https://www.linkedin.com/in/svernon/ https://longevity.stanford.edu/steve-vernon/ Don't Go Book in Retirement: https://www.amazon.com/dp/0985384662/ref=cm_sw_em_r_mt_dp_BE3F5M8D695A629S086H 

This week on TRACK! We are delighted to be joined by the recently announced GB selected marathon runner - Andrew Heyes. Andrew made his marathon debut at Manchester 3 weeks ago; running 2.13.53, finishing in 5th place subsequently securing his place for the GB team for the upcoming European championships in Munich in August. Andrew has been coached by GB marathon Mara Yamauchi since 2021, runs for Hallamshire, is part of UK Anti-Doping's Athletes Commission and has recently completed his PhD in the psycho-social aspects of athletic doping. Andrew won the British indoor 3,000m champs in 2018 whilst being coached by Steve Vernon, spent time in the College system in the states at Tulsa University and has a wealth of experience in the sport - so we are delighted he has agreed to chat to us here at TRACK!

BRN Weekly  |  How do you define retirement?,  Managing Data sharing in Workplace Benefit Plans, Retail investor interest in ESG/Sustainability Wanes & Getting ‘em while they're young – Financial Literacy  | Steve Vernon, FSA, Tim Rouse & Jamie McInnes, Bob Collie & Khaz Finley | www.broadcastretirementnetwork.com

In this episode, The Annuity Man and Steve Vernon discuss:  The Scrooge McDuck Syndrome  Facing your reality  Focusing on the future  Maximizing your social security   Key Takeaways:  The problem with decumulation is foremost a psychological one. People feel better seeing that account with money sitting there, but you have to turn the switch and spend it down.  Develop lifetime paychecks that last the rest of your life, no matter how long you live. Take a look at your living expenses and see it's below your paychecks. If it's not, you need to find a way to either reduce expenses or increase income.  Many people who are transitioning to retirement don't plan ahead that much when they should. Focus on the future because if you don't, it'll be too late to have planned for it by the time it arrives. Maximize your social security, and don't buy an annuity until you've taken steps to maximize that social security because that's the best-priced annuity you'll ever get. Use your savings if that's what you need to do to delay your social security benefits.    "There's just a whole bunch of things you need to think about, and so I encourage people - it's gonna take some time. You're not gonna do this in an afternoon. I encourage people to learn their options and hire professional help." —  Steve Vernon.         Connect with Steve Vernon: Website: https://restoflife.com/  LinkedIn: https://www.linkedin.com/in/svernon/  Twitter: https://twitter.com/stevevernon1  Books: https://www.amazon.com/Steve-Vernon/e/B000APH5FS%3F    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

In episode 99, Tom plays another of his book narration's, Cat Call. Steve Vernon's short story of boys on an adventure is reminiscent of Stephen King's 1982 book The Body, which later became the film Stand By Me. --- Send in a voice message: https://anchor.fm/tomreadsyourstory/message

In this sixteenth episode of Drew Blood, we join Steve Vernon, one of Canada's premier storytellers, for a Captain Nothing adventure. To watch the podcast on YouTube: http://bit.ly/ChillingEntertainmentYT Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: https://bit.ly/DrewBlood If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: https://bit.ly/DrewBlood Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 94: Tom re-runs episode 49, one of his best Short-Story Audio-book narrations. Strap in for Harry's Mermaid, written by Canada's great Sci-Fi/Horror master, the one and only Steve Vernon. --- Send in a voice message: https://anchor.fm/tomreadsyourstory/message

Nothing brings life to the Halloween spirit like a good ghost story, and no one tells a ghost story like Steve Vernon. Longtime listeners will know Steve well. He's a favorite author of mine and has joined us several times in the past to share his unique style of storytelling. Just a few nights back, Steve and I ventured into one of Halifax's many forests for a night of storytelling. I brought my microphone, and Steve brought a flashlight and a book of his stories. In this episode I'll take you along with me for three chilling tales from haunted Nova Scotia written and read by Steve Vernon. the Haunting of Esther Cox Digby, Nova Scotia; the site of the stirring curtains the Mare of McNabb's Island Links: Buy ‘Lunenburg Werewolf' by Steve Vernon:: https://www.amazon.ca/Lunenburg-Werewolf-Other-Stories-Supernatural/dp/1551098571 Steve Vernon: https://twitter.com/StephenVernon Contact: Website: https://www.nighttimepodcast.com Twitter: https://twitter.com/NightTimePod Facebook: https://www.facebook.com/NightTimePod Instagram: https://www.instagram.com/nighttimepod Email: NightTimePodcast@gmail.com Support the show: https://www.patreon.com/nighttimepodcast Support the show: https://www.patreon.com/Nighttimepodcast See omnystudio.com/listener for privacy information.

In this second episode of Drew Blood, we bring you two tales by Steve Vernon, icon of weird fiction, and one of Canada's premier storytellers. To watch the podcast on YouTube: http://bit.ly/ChillingEntertainmentYT Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: http://bit.ly/ScaryStoriesPodcast If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: http://bit.ly/ScaryStoriesPodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to spooky maritime adventures, Jaim and Kait have got you covered! This week's episode features some well-known areas of paranormal activity and sightings of famous Haligonians of centuries past, along with some personal experiences from your favourite hosts. Join us as we explore the haunted hotspots of Halifax, Nova Scotia! Big shoutout to author Steve Vernon for his novel Halifax Haunts - this episode was largely inspired by our conversations sparked by this book, and our research wouldn't have been quite as fun without it. Steve is an amazing guy and an incredible author, and Creeps & Coffee is immensely grateful for his dedication to facts! To check out more of his work, or to grab your own copy of Steve's book, click here! Thanks to Dated (@illadvisedrecords) for permission to use Stuck In A Hole as our theme music! And thanks to you, our listeners, for checking us out! Follow us on Instagram @creepsncoffee and Twitter @creepsandcoffee, or send us a message with topics you'd like to hear us cover at creepsandcoffee@gmail.com! :)

Listen to Steve Vernon, F.S.A., President of Rest-of-Life Communications and a Research Scholar for the Stanford Center on Longevity discuss the Redefining the Goal of Retirement Planning – Essay Collection with host, R. Dale Hall, FSA, CERA, MAAA, CFA, SOA Managing Director of Research. We welcome your questions or comments at researchinsights@soa.org.

Our guest on the podcast today is Mike Piper. He is the author of several personal finance books, including Social Security Made Simple, Taxes Made Simple, Accounting Made Simple, and Can I Retire? His blog, Oblivious Investor, covers Social Security, taxes, and investing. Piper has also developed a free tool for exploring Social Security-claiming decisions called Open Social Security. He is a certified public accountant. BackgroundBioMike Piper's BooksOblivious InvestorOpen Social SecuritySocial Security"How Is Social Security Taxed?" by Mike Piper, Oblivious Investor, Jan. 1, 2019. "Does Delaying Social Security Deliver an 8% Return?" by Christine Benz, Morningstar.com, May 14, 2020. "Philosophy of Social Security Claiming Strategies," by Wade Pfau, Retirement Researcher. Social Security SolutionsMaximize My Social Security"Steve Vernon: 'Older Workers Become Targets' in Tough Economic Environments," The Long View podcast, Morningstar.com, Sept. 9, 2020."Boost Your Risk-Protected Retirement Income With a Social Security Bridge Payment," by Steve Vernon, Forbes, May 26, 2020.Retirement Planning"An Ideal Retirement Spending Strategy? "by Mike Piper, Oblivious Investor, March 12, 2018."Building a Safe Floor of Retirement Income--in Advance," by Mike Piper, Oblivious Investor, July 2, 2018."A Rough, General-Purpose Retirement Plan," by Mike Piper, Oblivious Investor, Jan. 28, 2019."Simplifying a Retirement Bucket Portfolio," by Mike Piper, Oblivious Investor, July 8, 2019."What's in My Portfolio?" by Mike Piper, Oblivious Investor, Dec. 11, 2019."Single Premium Immediate Annuity: Why They're Useful and When to Buy Them," by Mike Piper, Oblivious Investor, Jan. 1, 2020."From Assets to Income: A Goals-Based Approach to Retirement Spending," by Colleen Jaconetti, Michael DiJoseph, Francis Kinniry, David Pakula, and Hank Lobel, Vanguard, April 2020."Father of 4% Rule Says it Was Really More of a Guideline," by Ginger Szala, ThinkAdvisor, Oct. 19, 2020.Retirement Accounts"Marginal Tax Rate or Effective Tax Rate?," by Mike Piper, Oblivious Investor, Dec. 7, 2020."Marginal Tax Rate: Not (Necessarily) the Same as Your Tax Bracket," by Mike Piper, Oblivious Investor, March 15, 2021."Taxes in Retirement: What Happens After Your Husband or Wife Dies?" by Mike Piper, MarketWatch, Feb. 6, 2021."Long-Term Tax Planning Requires Guessing. Focus on the Near Term," by Mike Piper, Oblivious Investor, Feb. 2, 2021."Retirement Tax-Planning Error: Not Planning for Widow(er)hood," by Mike Piper, Oblivious Investor, Jan. 4, 2021.Target-Date Funds "Don't Judge a Fund by Its Cover," by Mike Piper, The Wall Street Journal, Aug. 8, 2013."Why Would an Experienced Investor Buy a Target-Date Fund?" by Mike Piper, Oblivious Investor, May 11, 2015."Why I (Still) Like All-in-One Mutual Funds," by Mike Piper, Oblivious Investor, Sept. 14, 2015.

So, as we hit Episode #25 of the Running Industry Podcast, Season 2 comes to an end - and what a season it has been! As we rounded into 2021 and our second season of the podcast the foundations had been set with our brilliant guests in Season 1 who showed faith in me as the presenter and the Running Industry Podcast as a concept and gave up their time to let me illuminate their stories and brands, in the wonderful world of running.Season 2 has also seen a fair few changes, a new identity, some format changes with the Weekly News *(which by the way will continue amidst out little hiatus of special guests between season 2 and 3!) and the new ‘Brand Spotlight' episodes.So, as the guests for Season 3 are lined-up I'd like to take a few minutes to once again thank the Season 2 guests and highlight a few of the episodes so that you can revisit the our back catalogue of stories, interviews and brand focuses.-----Season 2 kicked off in January with Raccoon Events CEO Mike Seaman. Mike heads up the team who organises The National Running ShowIG @mikeseaman2709Follow The National Running Show viaIG + Fb @nationalrunningshowwww.nationalrunningshow.comEpisode 12 saw us interview Jason Henderson the long-time editor of one of the most historic sporting magazines in the world, Athletics Weekly Tw @Jason_AWFollow Athletics Weekly viaIG @athletics.weeklywww.athleticsweekly.com One of our most popular episodes of 2021 came from former GB marathoner and now ASICS Frontrunner Manager in the UK, Holly RushFollow Holly viaIG @rushtbynaturewww.rushbynature.comThe Brand Spotlight episodes have been a really great addition this season and ones that a tech and product geek like myself really enjoyed doing. The most recent one with Pete Cable from SCOTT Sports and I was so impressed with Pete's inside-out knowledge of the manufacturing process of the SCOTT footwear IG @pjcableFollow SCOTT viaIG @scottrunningwww.scott-sports.com In episode 17 – and the first event Brand Spotlight show - I spoke to UK marketing manager for big US run brand Saucony, Gareth LloydIG @runlondonFollow Saucony viaIG @saucony + @sauconyukwww.saucony.comRupert Bonington from nutrition brand Mountain Fuel and Steve Vernon from New Balance were both contrasting yet similar in their lazer-like focus on achieving their goals – one as a brand owner and manufacturer and one as a coach. I loved the way that Rupert took us on a journey of how his dislike for what was out there in the market place forced him to ‘disrupt' and invent the famous Mountain Fuel Jelly ‘gels'FB @rupert.boningtonFollow Mountain Fuel viaIG @mountainfuel_ukwww.mountainfuel.co.ukAnd you definitely need to check out Episode 21 with Steve Vernon where he inspires us with his athletic and coaching exploits and tells us he would really love to be a presenter on Countryfile on the telly!IG @stevevernonrunFollow Team New Balance MCRIG @teamnbmcrwww.teamnbmcr.comAnd finally, perhaps the most inspirational story of the second season came when I spoke to Leanne Davies, the founder of Run Mummy Run and her partner in the venture, Becs RichardsonIG @Leanne_davies_RMRIG @becs_richardsonJoin Run Mummy Run www.runmummyrun.co.uk/home/rmr-groups/ to find all the links including the regional groups-----Listen and subscribe via all podcast providers and via the Running Industry Podcast websitewww.runningindustrypodcast.comIG @runindustry Tw @runindustryAll episodes of the running industry podcast are ©supersonic productions

In Episode 21 we talk to Steve Vernon, former GB mountain and XC runner. Steve is now the Elite Performance Manager at New Balance UK and head coach and boss of Team New Balance Manchester. Steve is an 8-time medallist and two-time winner of the super-tough and world-famous National Cross Country Championships, winning in 2011 and 2014. He has also worn the GB vest at the World and European XC championships and on the mountains too, finishing 5th at the European Mountain Running Championships in 2013.Team New Balance Manchester is a professional running team based in South Manchester under the guidance of Steve. The team comprises of a small group of elite distance runners from the UK and one of only a few professional running teams based in the UK and are fortunate to have support from New Balance to help them compete and reach for the very highest level of international athletics.And, we also find out in this podcast how Steve's un-waning competitive nature found him gaining success as the junior angling Northern Champion and how he would love to one day present Countryfile! Follow Steve viaIG @stevevernonrunFollow Team New Balance MCRIG @teamnbmcrwww.teamnbmcr.comFollow New Balance IG @newbalancerunningwww.newbalance.comListen and subscribe via all podcast providers and via the Running Industry Podcast websitewww.runningindustrypodcast.comIG @runindustry Tw @runindustryYou can also show your support by donating to the running industry podcast via Patreon www.patreon.com/runningindustrypodcast Host: Matt WardProduced by amplifi www.amplifi.mediaIG @amplifimedia TW @amplifimedia_All episodes of the running industry podcast are ©supersonic productions

Listen to Marti DeLiema, PhD, Assistant Research Professor at the School of Social Work at the University of Minnesota, and Steve Vernon, F.S.A., President of Rest-of-Life Communications and a research scholar for the Stanford Center on Longevity discuss Thinking Ahead: Informing the Design of a Roadmap for Keeping Your Money Safe as You Age with host, R. Dale Hall, FSA, CERA, MAAA, CFA, SOA Managing Director of Research. We welcome your questions or comments at researchinsights@soa.org

In Episode 16 host Matt Ward unveils the new-look Running Industry Podcast with exciting changes and developments to the format. Firstly, the longer-form, interview style with amazing guests that we have had in the first 15 episodes is going nowhere and will continue to be the mainstay of the podcast. We've had some incredible feedback on the podcasts and the listener numbers are growing each week. However, as the podcast landscape changes almost week-by-week across the globe, and so there will now be even more Running Industry Podcasts, with even more variety.Firstly, as of this week, we start the ‘Running Industry Podcast – Weekly News' pod i.e this one!  which will go out on a Weds. This will be short-form, under 10 minutes normally, and be a bulletin format on news and hot topics in the Running Industry.Secondly,  we will also be introducing the ‘Brand Spotlight' episodes. These will be released regularly and focus on brands, from footwear, to electronics, from apparel to nutrition to training and tracking. Typically 30 mins or so, we'll take deep-dive into brands and their news, new products and their future direction. The re-branded ‘In Conversation with'  long-form pods will also be released regularly and still feature amazing guests with fantastic stories as we delve into the background and thoughts of those people that make the Running Industry so rich and diverse.  We have some fantastic guests coming up over the next couple of months including ultra-running legend Anna Frost, former GB athlete, cross country great and now New Balance endurance coach to many Olympic marathon hopefuls, Steve Vernon, Rhys Jenkins the Welsh ultramarathon runner, who will be attempting the mind-blowing Three Peaks JOGLE record in the coming months. Yes, that's right, John O'Groats to Land's End including the highest mountain peaks in Scotland, England and Wales along the way and finally in late March we'll be chatting to the founder of the Reebok brand, Joe Foster, discussing his fantastic book, Shoe Maker and look back at his life in building the Reebok brand, from humble beginnings in Bolton, England through to its sale for over $3BN!Listen and subscribe via all podcast providers and via the Running Industry Podcast websitewww.runningindustrypodcast.comIG @runindustry Tw @runindustryYou can also show your support by donating to the running industry podcast via Patreon www.patreon.com/runningindustrypodcast Host: Matt WardProduced by amplifi www.amplifi.mediaIG @amplifimedia TW @amplifimedia_All episodes of the running industry podcast are ©supersonic productions

In Episode 49, Tom revisits HARRY'S MERMAID, by the terrific writer and Canada's own, Steve Vernon. --- Send in a voice message: https://anchor.fm/tomreadsyourstory/message

On this week's episode, we spoke to Team New Balance Manchester Coach, Steve Vernon. We spoke to Steve about how he got into coaching, what it's like to work with one of the top groups in the UK, and much more. Enjoy! 

Well the Two Men on the Run got the chance to catch-up with Team New Balance Manchester and 2020 British Marathon Champion Jonny Mellor. Jonny has an impressive range with a sub 4 minute mile clocking of 3:58.76, a 5k best 13:31.21 and a 10k best that saw him win the Night of 10,000m and become British 10,000m champion of 28:42. He's also this clocked two extremely impressive 2:10 clockings first in Seville back in February with 2:10.03 and then when he won the British Marathon Championships at this years London Marathon with 2:10.38. He is the fastest British Marathoner of 2020 and 18th All Time. The guys dive into all things with Jonny from the craziness of this year which started with Jonny smashing the Olympic Qualifying Standard for Tokyo only for the Olympics to be cancelled, his strange bubble and tagging experience at this years London Marathon and then back to his early days growing up on the Wirral and Training at Liverpool Harriers under Dave Evans, before joining Steve Vernon and the Team New Balance Manchester. Jon-Jo does his best to get a load of free coaching advice off Jonny who offers coaching plans and one to one coaching over at https://www.jmcoaching.co.uk/ (JM Coaching ). We wish Jonny the best of luck as he heads into the Olympic Trials that have now been arranged for March 26th 2021 and his surely concrete selection to represent Great Britain at the 2021 Tokyo Olympic Games.

In Episode 40, Tom's reads more from the great Steve Vernon book, I Know Why the Waters of the Sea Taste of Salt. It's a top shelf, WW2, Poetic Sci-Fi, mini epic! --- Send in a voice message: https://anchor.fm/tomreadsyourstory/message

Message from Dr. Steve Vernon on November 8, 2020

In Episode 31 Tom plays a bit from 2 audio-books by the great Canadian author Steve Vernon. --- Send in a voice message: https://anchor.fm/tomreadsyourstory/message

Mike Calwell, manager of the Driehaus Life Sciences Fund, says that while investors are focused on the coronavirus pandemic and the companies poised to cash in on developing a vaccine, the next decade for life-sciences stocks should include wide-ranging personal health developments combatting things like heart disease and cancer that will still be among the nation's biggest killers long after the virus has passed. Caldwell suggests investors focus on the long-term and the more permanent opportunities, noting that some of the public funding to combat Covid-19 will contribute to advances in many other areas. Also on the show, author Steve Vernon talks about his latest book on the steps investors can take to avoid going broke in retirement, Matt Schulz of CompareCards.com discusses consumer savings amid the pandemic, and Tom Lydon of ETFTrends.com makes an IPO stock his 'ETF of the Week,' suggesting that investors may want to keep a permanent allocation to new and nascent stocks.

The 47th NewRetirement podcast. This time, Steve Chen is joined by guest Steve Vernon — a writer and research scholar at the Stanford Center of Longevity — and discusses the Spend Safely in Retirement Strategy that Vernon came up with and, secondly, his new book, Don't Go Broke in Retirement.Recording, editing done by Davorin Robison.© 2020 NewRetirement Inc.

Our guest on the podcast is retirement specialist and author Steve Vernon. Vernon is president of Rest-of-Life Communications and a research scholar at the Stanford Center on Longevity, where he conducts and directs research on retirement planning and behavioral economics. He is also the author of several books on retirement planning, including his latest, Don't Go Broke in Retirement and Retirement Game-Changers. In addition, Vernon writes a regular column on retirement planning for Forbes. He previously helped large employers design and manage their retirement programs. Vernon retired as vice president and consulting actuary with the human resources consulting firm Watson Wyatt Worldwide and also consulted to Mercer. He graduated from the University of California at Irvine with a double major in mathematics and social science.BackgroundSteve Vernon bioStanford Center on LongevitySteve Vernon booksForbes columnThe Role of Work"The Question Many Pre-Retirees and Retirees Will Need to Answer," by Steve Vernon, Forbes, Aug. 25, 2020."Redesigning Retirement and Human Resource Programs to Support Longer Lives," by Steve Vernon, Stanford Center on Longevity, third-quarter 2019."How To Find Work (After Retirement)," by Steve Vernon, CBSNews.com, March 27, 2013."Good News for Older Workers Seeking New Careers," by Steve Vernon, CBSNews.com, April 27, 2015. Encore career definitionSocial Security Program Health"The 2020 OASDI Trustees Report," Social Security Administration, April 22, 2020."No, You Won't Lose All of Your Social "Security Benefits," by Steve Vernon, Forbes, April 22, 2020.Social Security Claiming Strategies"Boost Your Risk-Protected Retirement Income With a Social Security Bridge Payment," by Steve Vernon, Forbes, May 26, 2020."Does Delaying Social Security Really Deliver an 8% Return?" by Christine Benz, Morningstar.com, May 14, 2020."When to Take Social Security: The Complete Guide," by Amy Fontinelle, Investopedia.com, Nov. 24, 2019. "Introducing the Social Security Claiming Decision," by Wade Pfau, Retirement Researcher."How the Retirement Estimator Works," Social Security Administration.Open Social Security "How to Calculate the Break-Even Age for Taking Social Security," by Ken Moraif, Kiplinger, April 7, 2020. Retiree Investment Portfolio/Holistic Retirement Income Planning "A Portfolio Approach to Retirement Income Security," by Steve Vernon, Stanford Center on Longevity, July 2015."How Much Should Older Workers and Retirees Invest in the Stock Market?" by Steve Vernon, Forbes, March 3, 2020. "Here's a Foolproof Way To Create Retirement Income for the Rest of Your Life," by Darla Mercado, CNBC.com, June 26, 2020."Stanford Analyzed 292 Retirement Strategies to Determine the Best One--Here's How It Works," by Kathleen Elkins, CNBC.com, Aug. 6, 2019.Housing"Don't Make This Costly Retirement Planning Mistake," by Steve Vernon, Forbes, June 11, 2020."Planning Your Retirement: 10 Ways to Reduce Housing Costs," by Steve Vernon, CBSNews.com, Sept. 4, 2013."How Covid-19 Will Shape the Future of Senior Living. New Models of Care, More Aging in Place," by Reshma Kapadia, Barron's, May 29, 2020.Longevity/Mitigating Longevity Risk"Rich People Don't Just Live Longer. They Also Get More Healthy Years," by Heather Murphy, The New York Times, Jan. 16, 2020.“The Risk of Outliving Your Assets Is Real And Defending Against It Is No Small Task," by Martin Pelletier, Financial Post, June 17, 2019.

Not going broke in retirement - that sounds like a good plan to me! So this week on the podcast, we’ll hear from the author of a new book outlining the instructions for meeting that goal.Steve Vernon is an actuary by background, and he worked for years as a consultant to large corporate retirement plans before starting his own consumer retirement education firm. He is the author of six books on retirement planning, and also spends part of his time doing research at the Stanford Center on Longevity.Steve’s latest book is Don’t Go Broke in Retirement - A Simple Plan to Build Lifetime Retirement Income.Steve writes that there are five essential decisions to make about your retirement plan:When to retireWhether to work part time after you do retireWhen to start your Social Security benefitsHow to deploy your savings in retirementHow to protect retirement income from a financial crisis.These decisions are essential now, as we move through the severe recession induced by the pandemic, and I quizzed Steve about how to think about these five guideposts during the current emergency. Listen to the podcast by clicking the player icon above. The podcast also can be found on Apple Podcasts, Spotify and Stitcher.Not a subscriber yet? Take advantage of a special offerSign up now for the free or subscriber edition of the newsletter, and I’ll email a copy of my latest retirement guide to you. This one looks at dealing with the Social Security Administration during the COVID19 crisis. Customer service at the Social Security Administration has changed during the coronavirus crisis - the agency closed its network of more than 1,200 field offices to the public in March. Just a reminder- subscribers, have access to the entire series of guides at any time. Click on the little green button to subscribe, or go here to learn more.Does Social Security still rely on the postal service?Top Democrats have been warning that the problems afflicting the United States Postal Service pose will hurt seniors who rely on letter carriers for Social Security checks, medications and other critical mail. There is some evidence already of problems with prescription drug deliveries - but how about Social Security? Should beneficiaries be concerned about a slowdown in mail service?I took a dive into this for my latest New York Times Retiring column, because my recollection was that most Social Security benefits are delivered electronically these days. Sure enough - 99 percent of all benefits these days are delivered via direct deposit to a checking or savings account, or to a government-sponsored debit card. The Social Security Administration has required electronic delivery since 2013, although some exceptions are made.But in a system as massive as Social Security, one percent translates to a significant number of people still receiving paper checks - 850,000. Just as important, Social Security sends and receives millions of pieces of mail every year, including notifications, requests for information, Medicare enrollment forms and replacement Social Security cards. More isolated, rural parts of the country are particularly vulnerable to problems within the postal system. And the shutdown since March of Social Security’s national network of field offices because of the pandemic means that more business is being transacted through the Postal Service that normally would be handled through in-person visits.Learn more in my Retiring column.Another chat about the pandemic and retirement timing Before the coronavirus pandemic, at least one retirement trend was headed in the right direction: More workers were staying on the job longer, and that was good news for retirement security. But COVID-19 has stopped that trend in its tracks. An accumulating body of data reflects an acceleration of early retirement as jobless older workers give up on the labor market due to the unique health barriers posed by the coronavirus. This trend will be bad news for the retirement prospects of millions of Americans.I joined career coach Marc Miller (yes, he uses an incorrect spelling for his name) on his podcast this week to discuss implications of the pandemic for careers and retirement timing. You can catch our conversation here. Or, read my latest Morningstar column, here.Recommended reading this weekThe U.S. Department of Labor’s social investing rule is likely to advance despite massive opposition . . . And DoL will hold a hearing on its new fiduciary rule after all . . . Millions of unemployed older workers are struggling to keep their health coverage . . .More than 40 percent of COVID19 deaths are linked to nursing homes . . .Trump sends fast, cheap COVID19 test to nursing homes, but there’s a catch . . .Is it time to abolish nursing homes? This is a public episode. Get access to private episodes at retirementrevised.substack.com/subscribe

Our guest this week is Social Security and retirement planning expert Mary Beth Franklin. Mary Beth is president of RetirePro and a contributing editor to InvestmentNews. She's a frequent public speaker and she also has her own podcast, "Retirement Repair Shop." In addition to her deep knowledge about retirement planning, Mary Beth is a virtual encyclopedia on the ins and outs of Social Security, especially beneficial claiming strategies. Her most recent book is Maximizing Social Security Retirement Benefits: Everything You Need to Know to Get the Most Out of Complicated New Claiming Rules. Prior to joining InvestmentNews, Mary Beth was tax editor at Kiplinger’s Personal Finance and a Capitol Hill reporter at United Press International. She has also earned the Certified Financial Planner designation.BackgroundMary Beth Franklin bio  Mary Beth Franklin InvestmentNews article archive  Mary Beth Franklin on Twitter Mary Beth Franklin Retirement Repair Shop podcast Pandemic Impact on Retirement, Social Security Planning“Rethinking Retirement Amid the COVID-19 Crisis,” by Mary Beth Franklin, InvestmentNews, May 10, 2020.  “Americans Remain Confident about Their Retirement Prospects,” by Mary Beth Franklin, InvestmentNews, April 29, 2020.  Withdrawing Your Social Security Application, SSA.gov.  Suspending Your Retirement Benefits Payments, SSA.gov.  “Pandemic Prompts Some to Rethink Social Security Claiming Strategy," by Mary Beth Franklin, InvestmentNews, April 7, 2020.  “Escape Hatch for Workers Claiming Social Security Early,” by Mary Beth Franklin, Investment News, April 22, 2020.  “Taking Social Security in the Pandemic: What to Know,” by Mark Miller, The New York Times, April 17, 2020.  “Social Security Has a Quick Cash Solution,” by Mary Beth Franklin, Investment News, May 19, 2020.  “Coronavirus-Related Relief for Retirement Plans and IRAs: Questions and Answers,” IRS.gov.  “Few Use CARES Act to Tap Retirement Savings,” by Mary Beth Franklin, InvestmentNews, June 10, 2020.  “How to Fund a Social Security Delay,” by Mary Beth Franklin, Investment News, Aug. 11, 2017.  “Wade Pfau: The 4% Rule Is No Longer Safe,” by Wade Pfau, Christine Benz, and Jeff Ptak, The Long View podcast, April 29, 2020.  “Using Reverse Mortgages in a Responsible Retirement Income Plan,” by Wade Pfau, Retirement Researcher.com. “Senior-Housing Communities Face Higher Vacancy Rates Amid Coronavirus,” by Peter Grant, The Wall Street Journal, May 12, 2020.  Tax Planning and Retirement“Stimulus Package Has Helpful Provisions for Retireees,” by Mary Beth Franklin, InvestmentNews, April 1, 2020.  “RMD Rollover Relief Granted Under CARES Act,” by Jeff Stimpson, Accounting Today, June 23, 2020. “Now Is the Time to Convert Your Traditional IRA to a Roth,” by Rodney Brooks, U.S. News & World Report, April 3, 2020.Social Security Claiming“Coronavirus Is Closing Social Security Offices: Here’s How to Get Benefit Help,” by Mark Miller, The New York Times, March 17, 2020.  My Social Security  Social Security Retirement Estimator  "Your Retirement Benefit: How It’s Figured," SSA.gov.“Social Security and Survivor Benefits,” by Mary Beth Franklin, InvestmentNews, Feb. 27, 2020. “Social Security Claiming Strategies for Married Couples,” by Mary Beth Franklin, InvestmentNews, Feb. 21, 2020.  “Social Security Strategies for Singles,” by Lynnette Khalfani-Cox, AARP.org.  “Social Security Surviving Divorced Spouse Benefits,” Benefits.gov.  “Social Security Widow(er)’s Insurance Benefits," Benefits.gov.  Social Security Financial Health“Social Security Funding Still Set to Run Out in 2035,” by Mary Beth Franklin, InvestmentNews, April 22, 2020. "No, You Won't Lose All of Your Social Security Benefits," by Steve Vernon, Forbes.com, April 22, 2020. The 2020 OASDI Trustees Report

Jonny Mellor is a professional New Balance and OTE nutrition athlete who competes for New Balance Manchester Track Club.Jonny Mellor has recently run 2hrs 10min 03s to qualify for the Tokyo Olympic Games that were supposed to be this year 2020, however, due to the outbreak of COVID-19 Mellor has had to re-evalute his next marathon to show selectors his current form for the postponed Tokyo Olympic Games in July 2021.We talk about what training he is doing during COVID-19, his plan to race the Seville marathon instead of the London marathon in April, what his weekly training looks like, his fuelling strategies during the marathon, his great relationship with his coach Steve Vernon and also let's us into some insightful tips on the carbon fibre running shoes.You can follow Mellor's journey on Instagram - https://www.instagram.com/j77nyy/?hl=en and also his business website - https://www.jmcoaching.co.uk

Enjoy our conversation with Steve Vernon.  Steve is the Artistic Director of Big Dawg Theatre in Wilmington, North Carolina.  Check out their website for their productions which take place at Cape Fear Playhouse on Castle Street in historic downtown Wilmington. Big Dawg Productions: bigdawgproductions.org

STEVE VERNON | UP Guest Mix 031 Steve is an old school DJ, whose heart lays with his vinyl & the uplifting trance and hard dance of the late 90's, having played with legends of the time such as Matt Hardwick, Scott Bond, Solarstone & Agnelli & Nelson for brands such as Trance Generation, Knowhere and Vinyl Warriors and venues ranging from Gigalum, The Soundshaft, The Fridge, Brixton to an impromptu set at Kazantip Festival in the Ukraine. More recently he has transitioned into the chunkier, harder sounds of techno, often coupled with trance influences. Steve regularly attends techno events around the world, taking inspiration from the emerging techno/ tech-house sounds that he hears. Expect thumping baselines with some uplifting interludes. Mixcloud-Soundcloud-Spotify-Apple Music fanlink.to/undergroundpoliticsradio 1. Console (original mix) by Zimmz 2. Nova (extended mix) by Yotto 3. Until the Early Light (original mix) by Tiger Stripes 4. Diviner (original mix) by Secret Cinema & Sama 5. Nicky's Theme (original mix) by Mac Monroe 6. On Your Skin by Roberto Capuano 7. Eating Concrete by Reinier Zonneveld 8. Chrome by Layton Giordani 9. Pandemonium (original mix) by Kostas Maskalides & Barbuto 10. Recital (Teenage Mutants remix) by DurtysoxXx 11. Where are you Now by Anna 12. Dark Light by A*S*Y*S & Dominik Schwarz 13. The Sky by Charlie Mask 14. Chromosome (Bolster remix) by Danny Fontana 15. The House of House (Thomas Schumacher remix edit) by Cherrymoon Trax 16. Universal Nation (Bart Skills remix) by Push & Bart Skills 17.XTC by Solardo & Eli Brown 18. Artha by Anna 19. Hymn by Jay Lumen 20. Carnival of Souls (OC & Verde remix) by Spektre 21. Heaven Scent (John Digweed & Nick Muir) vs Guy J Follow UP Radio: www.facebook.com/Undergroundpolitics www.twitter.com/UndgrndPolitics

As life expectancy continues to increase, what can you do to make your money last longer? Douglas Goldstein, CFP®, cross-border investment advisor, speaks with Steve Vernon, researcher at the Stanford Center for Longevity and author of Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck and Recession-Proof Your Retirement Years.  Get an overview of the various long-term income options available to you when you retire. Three things to do in 2017 to become financially secure Douglas Goldstein, CFP®, director of Profile Investment Services, Ltd., shares three simple steps that you can take this year to stay financially secure. Find out what these steps are on today’s financial podcast. Follow Steve Vernon at www.restoflife.com

Rick and Keith are joined by Steve Vernon, an FLCA board member, to catch up on some of the bills in Tallahassee. The first is HJR 157 which is about term limits for school board members. Next, they discuss HB 265 regarding parental consent for abortion. Also, HB 341 which talks about the study of the Bible and Religion. These are very tough and controversial bills but what exactly are the details and how good a chance do they have of passing? Follow These Bills HJR 157 HB 265 HB 341

At a time when we’re living longer, healthier lives should we do away with the notion of retirement and just keep on working? Are the skills of older people adequate, and are they even wanted in a youth-obsessed society? Ed Butler will be discussing the financial drivers behind working longer, the social benefits of being actively employed and the choices that governments, employers and individuals need to make to prepare for older age. Our guests this week are Samuel Engblom, Policy director at The Swedish Confederation of Professional Employees from Stockholm, Margaret Heffernan, executive coach and author in London and Steve Vernon, author and Research Scholar at the Stanford Center on Longevity, California. Plus, we take a visit to The Common Room, a new concept in intergenerational thinking. (Image: Older woman selling flower bouquet. Image credit: Getty)

If you’ve listened to this podcast much, you know that I’m a big fan of fee-only financial planning. It’s the only way I know to make sure that you’re getting unbiased advice, not sales pitches for commission-based products.For the longest time, I’ve wanted to interview my own financial planner for a story. Debbie Wise has been a leading proponent of fee-only, holistic planning for years, and we have a lot of lively, fun conversations about everything going on in the business. Debbie always has great observations and thoughts to share. So, this week she joins me on the podcast. Debbie and I discuss:How my wife and I decided to hire a planner, and how we found her firmHow our retirement plan changed after we hired DebbieHow Wise Planning assesses new clients' retirement plans and the biggest mistakes Debbie sees clients making when they first walk through the doorHow her planning practice has evolved over timeA few areas where we don't agreeWho needs a financial planner - and who doesn't?Hope you enjoy the podcast - to listen, click the player icon at the top of this page.Next week: Original Medicare or Medicare Advantage?Newsletter subscribers will receive the latest in my series of retirement guides next week - how to make the choice between Original Medicare and Medicare Advantage?This is the most basic decision you’ll make about health insurance at the point of retirement, and it’s an important one. Advantage plans can save you money in some cases, but Original Medicare remains the gold standard from the standpoint of flexible access to providers and predictability of total costs. Why subscribe?“Why do you charge for your newsletter - isn’t everything on the internet free?”I get this question often, so I thought I’d take a minute this week to answer.You know the old saying, “there’s no free lunch.” What’s not free when it comes to free personal finance information on the internet? Let’s start with this: no one in the retirement and personal finance marketplace creates content just for the fun of it - there always is a commercial motive. Sometimes that’s obvious - you’ll see advertising running in a newsletter or a podcast. I don’t accept advertising for a couple reasons. First, it could create a conflict of interest for me as a journalist covering this space. If I accepted direct payment, let’s say, from a mutual fund company that I cover in articles I write for news outlets like Reuters or the New York Times - that’s a conflict, or it creates the appearance of a conflict. Beyond that, I don’t want to deliver advertising to you for financial products that I don’t think are particularly good deals for my listeners. And, there are lots of them out there. Sometimes the not-free lunch is more subtle. There are loads of radio and tv shows, podcasts and newsletter hosted by people positioning themselves as financial gurus. They don’t make money from their media products per se. The programs are sales vehicles aimed at bringing you in the door to trade stocks, buy annuities or worse. In many cases, the radio and tv shows air on blocks of time the hosts buy from the stations. Literally, they are advertisements - masquerading as programming.So, doing a subscription newsletter makes it easy for me to cover what I think matters on retirement and aging, free of any possible conflicts, or the appearance of conflict. It’s not free to subscribe, but it’s not expensive. My aim is to deliver ideas, suggestions and concepts that will help improve your financial picture and retirement in ways that pay off far beyond paying a few dollars a month for the newsletter. 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. Next week, I’ll be publishing anew guide comparing Original Medicare and Medicare Advantage. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring a podcast interview with retirement educator and actuary Steve Vernon.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 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

An October phone call inviting Steve Vernon, my favorite local horror author, to appear on Nighttime has become a Halloween tradition. For the fourth year in a row, He agreed to share his tales of terror and bloodshed. The plan we came up with was similar to prior years, but with a few twists. I got the idea during a recent walk through a nearby forest, while lost in both my headphones and the twisting trails, I happened upon an abandoned and long overgrown hunting type shack that I thought would be a perfect spot to drag Steve and my mobile studio to. To take full advantage of the ambiance of an old growth forest, I asked Steve he he would pull some stories from a prior story collection he released called Wicked Woods; Ghost stories from Old New Brunswick. Steve Vernon did not disappointment. In this episode, you will hear two chilling tales from haunted New Brunswick written and read by my friend and my favorite Horror Author, Steve Vernon.   Links: Fireship of Baie Des Chaleurs - Nightcap post show bonus story (Patron Exclusive) :patreon.com/nighttimepodcast Buy ‘Wicked Woods’ by Steve Vernon:: https://nimbus.ca/store/wicked-woods.html Steve Vernon: https://twitter.com/StephenVernon Contact: Website: https://www.nighttimepodcast.com Twitter: https://twitter.com/NightTimePod Facebook: https://www.facebook.com/NightTimePod Instagram: https://www.instagram.com/nighttimepod Email: NightTimePodcast@gmail.com Support the show: https://www.patreon.com/nighttimepodcast Support the show: https://www.patreon.com/Nighttimepodcast See omnystudio.com/listener for privacy information.

This week, the podcast takes a look at the public health problem of violence among older adults. Violence is often portrayed in the media as a problem that affects mainly younger people. But a new study in the research journal Health Affairs shows that it’s common for violence of various kinds to affect older people. And, the problem will grow more acute in the years ahead as the population of the United States ages.Joining me this week to talk about violence and the elderly are two of the study’s co-authors. Dr. Emmy Betz is an emergency physician at the University of Colorado Hospital. She conducts research in injury epidemiology and prevention, and has special expertise in the topic of suicide. Dr. Tony Rosen is a researcher in elder abuse and geriatric injury prevention at Weill Cornell Medical College, and a practicing Emergency Physician at New York-Presbyterian Hospital. I talked with Dr. Betz and Dr. Rosen about the most common types of violence impacting older people and the role of firearms. We also discussed strategies for violence prevention that individuals can take to protect their families and friends, and public policy that might help reduce the incidence of violence.Listen to the podcast by clicking the player icon at the top of this page.And, here is some further background reading on violence and older adults that I have found useful:Unlocked And Loaded: Families Confront Dementia And Guns. As America copes with an epidemic of gun violence that kills 96 people each day, there has been vigorous debate about how to prevent people with mental illness from acquiring weapons. But a little-known problem is what to do about the vast cache of firearms in the homes of aging Americans with impaired or declining mental faculties. Kaiser Health News.When older Americans with depression and dementia have access to firearms. A study finds that older Americans with risk factors for harming themselves or others don't seem to be any less likely to have access to firearms than anyone else their age. Pacific Standard.Household Firearm Ownership and Storage, Suicide Risk Factors, and Memory Loss Among Older Adults. Firearm access poses a danger to older persons with cognitive impairment; their families and caregivers; visitors, such as grandchildren; and potentially others. Annals of Internal Medicine.In Elderly Hands, Firearms Can Be Even Deadlier. About a third of Americans over age 65 own a gun, and an additional 12 percent of them live with someone who does, the Pew Research Center report. The New York Times.Subscribe!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. More are in the works. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring a podcast interview with retirement educator and actuary Steve Vernon.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 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

Most people enroll in Medicare when they become eligible at age 65. But you also can change your coverage each fall. Fall enrollment runs from Oct. 15 through Dec. 7. This is your chance to switch between original fee-for-service Medicare and Medicare Advantage, the all-in-one managed care alternative to the traditional program. You also can re-shop your prescription drug coverage — whether that is a stand-alone Part D plan, or wrapped into an Advantage plan.Joining me on the podcast this week to talk about fall enrollment is one of the most knowledgeable people in the country on Medicare. Frederic Riccardi is president of the Medicare Rights Center, an advocacy and consumer rights organization. Before taking the top job at the center earlier this year, Fred oversaw all of Medicare Rights’ client programming, including its National Consumer Helpline, which handles around 20,000 questions each year about Medicare. It’s a good idea to do a checkup on your coverage, even if you are happy with your current choices. Prescription drug plans often revise their lists of covered drugs and their coverage rules. If you’re enrolled in an Advantage plan, this is your opportunity to make sure your health care providers will be in your plan during the coming year, and whether a move to original Medicare might make sense for you.Fred and I talked about why it's important to shop, how to evaluate your current coverage, the tradeoffs between traditional and Medicare Advantage and much more.Listen to the podcast by clicking the player icon at the top of this page.Subscribe!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. More are in the works. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring a podcast interview with retirement educator and actuary Steve Vernon.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 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, subscribers to the newsletter are receiving the latest in my series of guides on key topics in retirement - aging in place.Staying in your current home as you age can be a good option - but doing it successfully requires some careful thought and planning. What’s more, aging in place is not always realistic - issues to consider include the cost of maintaining your home, proximity to healthcare, family, recreation, leisure activities and transportation.Deciding where to live in retirement can be a big challenge. The decision doesn’t lend itself to dispassionate analysis, because so much emotion is involved. Just as important, you’re attempting to make decisions now that depend very much on your future lifestyle, health and social environment. “Most people have tremendous difficulty envisioning what might happen going forward,” says Dr. Stephen Golant, a gerontologist and expert on long-term care, housing, mobility and transportation for older adults. “The idea that your health might decline or that your spouse could die, or that your financial situation is going to become more tentative - these are obviously things that we should be thinking about, but it’s difficult to put ourselves into that future tense in order to plan.”Dr. Golant is my guest on this week’s podcast. He is a professor emeritus at the University of Florida, and his latest book is called Aging in the Right Place.In our conversation, we discuss the reasons people might want to move - but don’t in most cases. And he also thinks some new factors are emerging that will increase the odds that people will stay put. Listen to the podcast by clicking the player icon at the top of this page.To receive your copy of the guide, subscribe to the newsletter by clicking this link, or use the little green “subscribe now” below.The guide seriesWhen you subscribe, you’ll receive the weekly newsletter, plus all editions of the retirement guides. Along with the new guide to aging in place, the series already includes:The transition to Medicare: How to get it right. The transition to Medicare from other types of insurance is fraught with pitfalls that can be costly. Signing up for Medicare at the right time is critical, along with understanding when the program’s coverage is primary. Getting this wrong can lead to costly lifetime late enrollment penalties on Part B premiums, and lengthy gaps in your insurance coverage. Featuring a podcast interview with Joe Baker, recently-retired president of the Medicare Rights Center.How to hire a financial advisor. Why hiring an advisor can improve your retirement - if you hire the right kind. And that means hiring a fiduciary. Featuring a podcast interview with Sheryl Garrett, a certified financial planner and a pioneer in the movement to provide everyday Americans with unbiased financial advice. Timing your Social Security claim. Social Security is the most important retirement benefit for most Americans - full stop. That is true for low- and middle-income people, and for more affluent households. In this guide, I explore how your benefit is calculated and strategies for getting the most income from the program. Featuring a podcast interview with journalist and Social Security expert Mary Beth Franklin. The cost of healthcare in retirement. Surveys show that many Americans worry that healthcare costs will consumer a large portion of their resources. One reason is that we are exposed to a steady stream of news headlines with daunting forecasts of what you will need to spend over the course of your entire retirement. But these forecasts can be misleading, since you won’t be spending these big sums all at once. The more important questions: What are the outsize risks that could upset your retirement plan? And, what can you do to mitigate those risks? Featuring a podcast interview with retirement educator Steve Vernon. This is a public episode. Get access to private episodes at retirementrevised.substack.com/subscribe

Our guest on the podcast today is Alicia Munnell, the director of The Center for Retirement Research at Boston College. Alicia is a towering figure in the retirement research space. She and the team at the Center for Retirement Research produce articles and white papers on a wide variety of retirement-related topics, including Social Security, tax policy, retirement preparedness, and healthcare. Prior to joining Boston College in 1997, Alicia was a member of the president’s council of economic advisors and assistant secretary of the Treasury for economic policy. Previously, she spent 20 years at the Federal Reserve Bank of Boston, where she became senior vice president and director of research in 1984. Alicia has written scores of articles and authored and edited many books over the years; most recently, she co-authored Falling Short: The Coming Retirement Crisis and What to Do About It.BackgroundAlicia Munnell bioAlicia Munnell research archive Center for Retirement Research at Boston CollegeBooks by Alicia Munnell Retirement Preparedness“Is There Really a Retirement-Savings Crisis?” by Anne Tergesen, The Wall Street Journal, April 23, 2017.“The Wealth of Households: An Analysis of the 2016 Survey of Consumer Finance,” Center for Economic and Policy Research, November 2017. “Women, Marriage, and the National Retirement Risk Index,” by Alicia H. Munnell, Wenliang Hou and Geoffrey T. Sanzenbacher, Center for Retirement Research at Boston College, June 2019.“Exploring the Retirement Consumption Puzzle,” by David Blanchett, Journal of Financial Planning, May 2014. “David Blanchett: If You’re Retiring Now, You’re in a Pretty Rough Spot,” The Long View, Sept. 18, 2019. “The Extraordinary Happiness of Retirees,” by Steve Vernon, Global Coalition on Aging, May 16, 2016. Defined-Contribution Plans“The Federal Government Should Fix the Pension Coverage Gap,” by Alicia H. Munnell, Marketwatch, June 6, 2018.“An Analysis of Retirement Models to Improve Portability and Coverage,” by Alicia H. Munnell, Anek Belbase, and Geoffrey T. Sanzenbacher, Center for Retirement Research at Boston College, March 2018.“Are Americans Really Able to Manage Their 401(k) Plans?” by Alicia Munnell, NextAvenue, May 17, 2012. “401(k) Plan Fees: What Is Reasonable?” by Liam Pleven, The Wall Street Journal, Feb. 20, 2015. “A Safe Harbor for Annuities Could Help Retirement Savers,” by Aron Szapiro, Morningstar blog, Oct. 18, 2018. “State-Based Retirement Plans for the Private Sector,” Pension Rights Center. Social Security"Social Security’s Financial Outlook: The 2019 Update in Perspective," by Alicia H. Munnell, Center for Retirement Research at Boston College, May 2019. Status of the Social Security and Medicare Programs: A Summary of the 2019 Annual Reports, Social Security and Medicare Boards of Trustees. “Alicia Munnell: The Social Security Fix No One Wants,” by Jane Wollman Rusoff, ThinkAdvisor, Jan. 30, 2018.“The Implications of Social Security’s 'Missing Trust Fund',” by Alicia H. Munnell, Wenliang Hou, and Geoffrey T. Sanzenbacher, Center for Retirement Research at Boston College, June 2019.The Role of Home Equity in Retirement Planning“Retiree Housing Wealth: Battered but Still Significant,” by Alicia Munnell, MarketWatch, Feb. 4, 2015. “How Much Does Housing Affect Retirement Security? An NRRI Update,” by Alicia H. Munnell, Wenliang Hou, and Geoffrey T. Sanzenbacher, Center for Retirement Research at Boston College, September 2015. “Can a Reverse Mortgage Help Save an Underfunded Retirement?” by Michelle Singletary, The Washington Post, July 2, 2018. “This Secret Tax Break Could Help You Save Thousands of Dollars a Year If You Own a Home,” by Sarah Max, Money, Aug. 27, 2018 Long-Term Care“Long-Term Care: How Big a Risk?” by Leora Friedberg, Wenliang Hou, Wei Sun, and Anthony Webb, Center for Retirement Research at Boston College, November 2014.“Can Increasing the Long-Term Care Insurance Elimination Period Make Coverage Appealing Again?” by Michael Kitces, Nerd’s Eye View, Jan. 7, 2015.

Income inequality is a red-hot topic these days, but one overlooked aspect of the story is how inequality spills over into retirement. Joining me on the podcast this week to examine this question is Dr. Nari Rhee, who directs the retirement security program at the UC Berkeley Center for Labor Research and Education. Nari is co-author of a fascinating new report that documents inequality in financial assets - basically, savings accounts, stocks and bonds - and what that means for retirement security. The U.S. Government Accountability Office (GAO) reported recently that in 2013, families in the top 10 percent of the wealth distribution held 76 percent of the wealth held by all families in the United States.While income inequality was relatively stable from the 1940s to the 1970s, since then wage growth at the top of the income distribution has outpaced the rest of the distribution, and inequality has risen. Wealth has become increasingly concentrated as well. By 2013, those families in the top 10 percent of the wealth distribution held 76 percent of the wealth held by all families in the United States.A GAO analysis of Federal Reserve income data reveals the same trend among older households. GAO divided older households into five groups (quintiles) based on their income and wealth, and found that the top quintile has run away from all other income groups. For example, in 2016, households in the top quintile had estimated average income of $398,000, compared to about $53,000 for the middle quintile and about $14,000 for the bottom quintile. The picture is similar for wealth accumulation. Low wage growth has created a have- and have-not situation among retirees - well over half have not been able to save at all, and will be relying mainly on Social Security benefits. The NIRS report contains several striking findings.The share of Baby Boomer financial assets owned by the wealthiest 5 percent grew from 52 percent in 2004 to 60 percent in 2016. Over the same period, the share of financial assets owned by the top 10 percent of Baby Boomer households grew from 68 percent to 75 percent, and the share owned by the top 25 percent grew from 86 percent to 91 percent. Meanwhile, the share of assets owned by the bottom 50 percent of boomer households shrank from 3 percent in 2004 to under 2 percent in 2016.Financial asset inequality appears to be growing worse across generations. Generation X and Millennials appear to have reached comparable degrees of financial asset concentration among the wealthiest households as Baby Boomers, at younger ages.Financial asset inequality is exacerbated by regressive tax incentives for retirement savings and unequal access to employer-provided retirement plans.The study recommends several policy solutions, including strengthening and expanding Social Security, making workplace retirement saving plans more widely available and improving the federal Saver's Credit for low-income taxpayers.Good ideas all, and worth pursuing. But we also will need a policy approach to the broader U.S. income inequality problem. Solve that, and the retirement problem gets better on its own.Listen to my conversation with Nari by clicking the player icon at the top of this page.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. More are in the works. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring a podcast interview with retirement educator and actuary Steve Vernon.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 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

For many seniors, the announcement of Social Security’s cost-of-living adjustment (COLA) is one of the most anticipated pocketbook news stories of the year. The COLA for 2020 will be released during October - a time of year when I always check in with Mary Johnson.Mary is a Social Security and Medicare policy analyst for The Senior Citizens League.  She has been tracking the COLA for more than 24 years, and conducts an annual study on the buying power of Social Security. Mary also writes the free Social Security & Medicare Advisor (subscribe at the League’s website).Ahead of the 2020 COLA news, Mary joins me on the podcast this week to talk about all things COLA, including: The history of the COLA (it has been awarded annually only since 1975)How the COLA is figured, its recent COLAs, and why they have been stingyWhat will the COLA be in 2020 (probably about 1.6%)How the COLA interacts with the Medicare Part B premiumWhat seniors can do to protect themselves from inflationListen to the podcast by clicking on the player icon at the top of this page.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. More are in the works. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring a podcast interview with retirement educator and actuary Steve Vernon.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 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

Social Security faces a financial shortfall in the years ahead that requires action by Congress. The combined trust funds for Social Security’s retirement and disability programs are on course to be depleted in 2035; without changes, funding from payroll tax receipts will be sufficient to pay only 80 percent of currently scheduled benefits. That would mean immediate, across-the-board benefit cuts, but the pain would be felt most acutely by today’s younger workers and low-income retirees. But Democrats are aiming to do more than simply address the solvency issue - they want to expand benefits. Their plans range from the relatively centrist proposal now advancing in the House of Representatives from Rep. John Larson, to more bold proposals from Elizabeth Warren and Bernie Sanders. On the podcast this week, we break down the proposals, and take a look at prospects for the Larson bill in the House this fall. My guest is Nancy Altman, one of the most knowledgeable people in the United States on Social Security. You may have heard of Nancy’s work as a progressive advocate for Social Security expansion - she heads up Social Security Works, one of the key grassroots group pushing for expansion as part of an overhaul that also would restore 75-year solvency to the program. But Nancy also wrote the book on the history of Social Security and why it should be expanded. Correction, she actually has written three authoritative books on Social Security. Nancy has been involved with Social Security policy since the 1980s, having served as a staffer on the Greenspan Commission, which crafted the last major Social Security reforms. In this conversation, Nancy and I cover:The 2035 problem (she doesn’t really see it as a “problem,” tho)Ways to restore solvency - basically, higher taxes, benefit cuts or a combination of bothWhy we both think higher taxes are the way to goAn overview of the plans from Larson, Sanders and Warren - also, where does Joe Biden stand on this issue?The politics of Social Security reform this fall and in the 2020 presidential electionRead about the three leading Democratic reform proposals here:Social Security 2100, sponsored by Rep. John Larson in the House of RepresentativesExpansion proposals from Sen. Bernie Sanders and Sen. Elizabeth Warren. expansion plan.Listen to the podcast by clicking on the player icon at the top of this page. The podcast also is available on Apple Podcasts and Stitcher.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. The series includes topics like Social Security claiming and the transition to Medicare. The series also will include guides to housing strategies for retirement, working longer as a retirement plan and much more. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring an interview with retirement educator and actuary Steve Vernon.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 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

If you fail to plan, you plan to fail. It's especially true for retirement planning. Listen in to get tips from Suze Orman, Jean Chatzky, Jane Bryant Quinn, and Steve Vernon on preparing for your financial future.

This week, the podcast dives into the topic of Medicare’s fall enrollment period. Every fall, enrollees have the opportunity to do a check-up on their prescription drug or Medicare Advantage insurance coverage, and shop for new insurance plans if their coverage doesn’t meet current needs. This is done during a fall enrollment period that runs from October 15th through December 7th.Most Medicare enrollees don’t bother to do this check-up, but they should. Insurance plans can - and do - change what will be covered from year to year, and the list of health care providers in Advantage plans can change. And studies show that updating your coverage often saves money.I’ll be writing several articles about fall enrollment over the next few weeks, but already have done some reporting on a new wrinkle that comes along with this year’s enrollment season. The wrinkle has to do with the go-to shopping resource people use to shop for plans. This is the Medicare Plan Finder - the official government site that posts insurance plan offerings.The Plan Finder has had some problems. Studies have found that users are confused by the site navigation. The information displayed is often incomplete or incorrect. Even expert counselors who are trained to help people with their selections give the site poor marks.Just before Labor Day, Medicare launched a new version of the Plan Finder  that aims to correct some of these problems. The jury is still out on the new site, but the timing of the rollout has alarmed many of the experts who work with people on enrollment, because they have not had time to adequately train people to use it or test it for bugs. And Medicare says it will keep making tweaks between now and the start of fall enrollment. My guest on the podcast today is one of those experts. Ann Kayrish is the senior program manager for Medicare at the National Council on Aging.  She focuses on helping groups around the country that provide counseling to Medicare enrollees with their applications and benefit enrollment. Prior to joining NCOA, Ann directed operations for the State Health Insurance Assistance Program in Montgomery County, which helps the most vulnerable populations gain access to the health care benefits and services. So Ann is one of the people very close to the issues with Medicare Plan Finder and what’s been going on with it lately.Listen to the podcast by clicking on the player icon at the top of this page.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. The series includes topics like Social Security claiming and the transition to Medicare. The series also will include guides to housing strategies for retirement, working longer as a retirement plan and much more. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring an interview with retirement educator and actuary Steve Vernon.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 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

Is a recession on the way? The bond market seems to think so, judging by the inverted yield curve, and so does the Trump administration, if the somewhat desperate call from the White House for more tax cuts is any indication. If a downturn is coming, what can you do to prepare? My guest on the podcast this week addressed that question in a recent post for NextAvenue.org. Chris Farrell is the senior economics contributor to "Marketplace," the public radio business and economic program, and his post examines reasons why odds of a recession are rising, and ways to shore up household finances. I wanted to push the conversation in a different direction - how would a recession impact retirees, and people close to retirement? Our podcast chat centers on these points:How to think about your retirement portfolio allocation, and the perils of marketing timing; The job market and how a downturn can lay waste to your retirement plan;The spending side of the equation - how can you trim spending if the economy heads south?Chris has written extensively on these themes. His most recent book is Purpose and a Paycheck: Finding Meaning, Money, and Happiness in the Second Half of Life. He takes a close look at the labor market for older Americans, and of course that is a big part of what we discuss on this podcast. One of his earlier books, The New Frugality, also comes into play in our conversation.By the way - kudos to The New York Times for trying to explain the invested yield curve to all of us with a 3-D graph, and a comparison to pro football. Points awarded here for effort, although I bet most of us still cannot stand on one leg and explain it. I have trouble enough doing it standing on two legs.Subscribe now!This 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. The series includes topics like Social Security claiming and the transition to Medicare. The series also will include guides to aging in place, working longer as a retirement plan and much more. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring an interview with retirement educator and actuary Steve Vernon.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 or Stitcher, I hope you’ll leave a review and comment to let me know what you think.Work in the retirement field? Subscribe your team!If you work in the retirement field, consider a group subscription to RetirementRevised newsletter and podcast for your team at work. Click here to get started. This is a public episode. Get access to private episodes at retirementrevised.substack.com/subscribe

Retirement researcher Steve Vernon wrote a three-part series in Forbes arguing that, with the exception of three small categories, it is a mistake to claim Social Security benefits early. This podcast (7:01) proposes that, conceivably, a fourth large category of pre-retirees in their 50s or early 60s, who have saved a decent amount, could be better off financially if early claiming removes them from hyper-stressful circumstances at a time of life where people often develop expensive health problems.

This week, the podcast takes a dive into some important changes coming down the pike in the Medicare program. For the first time in its history, Medicare will soon begin to pay benefits for some non-medical services that could help improve the health of seniors who are facing major functional limitations. The new benefits are contained in legislation passed by Congress last year called the Chronic Care Act. The law will allow Medicare Advantage plans to pay for things like grocery deliveries, transportation, caregiver support, and retrofitting homes to support older adults with chronic conditions.Joining me this week to talk about the changes -- and when we can expect to see them cropping up in Medicare plans -- is Dr. Bruce Chernof.Bruce is the president and CEO of The SCAN Foundation, one of the largest foundations in the country focused solely on improving the quality of life for seniors. The foundation has a special focus on promoting a coordinated, and easy-to-navigate system of high-quality health services for older adults that preserve dignity and independence. I asked Bruce what these benefits actually will look like, and why they could mark an important change in Medicare. I also asked him why these benefits will be offered only in Medicare Advantage plans, and when we could see something similar rolled out in traditional fee-for-service Medicare. Finally, I asked for his thoughts on the country’s ailing system of providing long-term care support and services, and how that can be improved.Listen to the podcast by clicking the player icon at the top of this page.Subscribe now!This 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. The series includes topics like Social Security claiming and the transition to Medicare. The series also will include guides to aging in place, working longer as a retirement plan and much more. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring an interview with retirement educator and actuary Steve Vernon.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 or Stitcher, I hope you’ll leave a review and comment to let me know what you think.Work in the retirement field? Subscribe your team!If you work in the retirement field, consider a group subscription to RetirementRevised newsletter and podcast for your team at work. Click here to get started. This is a public episode. Get access to private episodes at retirementrevised.substack.com/subscribe

This week, my guest on the podcast thinks the 401(k) is a failure. Teresa Ghilarducci is a labor economist at the New School in New York City who specializes in topics related to older workers and retirement security. She has been arguing for years that our current self-directed system of saving for retirement in 401ks and IRAs is not up to the job of helping people build for a secure retirement. She thinks it works just fine for the top five percent of households by income, but not for the rest of us - and all the advice that people like me dispense is somewhat useless and frustrating for most people. Teresa has a different idea that she has been promoting in the halls of Congress, called the Guaranteed Retirement Account (GRA). The idea is a mandatory, government-run saving program; any employer that doesn’t offer their own plan would be required to contribute and sign up workers. Here’s a link to an article I wrote in 2015 for The New York Times on Teresa’s GRA idea, along with a discussion of her unusual partnership on this project with a top Wall Street executive. And here’s a primer on the GRA on the New School website.Teresa also is launching her own podcast later this month called Reset Retirement. The program will feature interviews with working Americans who have encountered problems navigating the retirement system, and comments from experts on how those problems can be handled. You can subscribe via Apple Podcasts or Spotify.A tidbit: Teresa says she drew inspiration for the podcast from my recent book, Jolt: Stories of Trauma and Transformation. How, exactly? You’ll have to listen to this week’s podcast to find out. Do that by clicking on the player icon at the top of this page.Subscribe now!This 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. The series includes topics like Social Security claiming and the transition to Medicare. The series also will include guides to aging in place, working longer as a retirement plan and much more. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring an interview with retirement educator and actuary Steve Vernon.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 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 digs into a topic that doesn’t come up all that often these days: inflation, and the risk it can pose to your retirement plan. In one sense, it’s no big surprise that inflation isn’t much of a topic in retirement planning circles - after all, it hasn’t been a major threat for the economy since the early 1980s. But those of us old enough to have experienced the stagflation of the late 1970s remember how damaging it was - low economic growth coupled with inflation that peaked at 13 percent.The big risk with inflation is that it cuts your purchasing power. That’s problematic for retirees living on fixed incomes. Most sources of retirement income are not inflation-adjusted (the one big exception being Social Security - more on that below). Even the low inflation rates we have experienced in recent years can take a big toll. For example, my guest on the podcast this week, Dirk Cotton, calculates that two decades of average inflation at three percent would cut your purchasing power in half over that time. Dirk is a one of the smartest retirement researchers around. He has a great eye for important topics that don’t get covered enough that he writes about at The Retirement Cafe. Dirk recently posted two articles about retirement planning and inflation that caught my eye. The first looks at historic patterns of inflation - and how unpredictable the trends can be. He also examines generational differences in perspectives on inflation (spoiler alert - boomers worry about it, GenXers and younger don’t). The second post discusses a recent paper that Dirk co-authored with economist Zvi Bodie of Boston University, examining inflation-adjusted annuities - specifically, why there is almost no market for them. To hear my conversation with Dirk Cotton, click on the player icon at the top of this page.Subscribe now!This podcast is part of the subscription RetirementRevised newsletter. Subscribers have access to all the podcast, plus my series of retirement guides on key challenges in retirement. The series includes topics like Social Security claiming, the transition to Medicare. The series also will include guides to aging in place, working longer as a retirement plan and much more. For a sample, check out the recently-published guide to the cost of healthcare in retirement, featuring an interview with retirement educator and actuary Steve Vernon.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 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

Surveys show that many Americans worry that healthcare costs will consumer a large portion of their resources. One reason is that we are exposed to a steady stream of news headlines with daunting forecasts of what you will need to spend over the course of your entire retirement. Fidelity Investments, for example, estimates that a 65-year old couple retiring in 2019 can expect to spend $285,000 on health care and medical expenses throughout retirement. The Employee Benefit Research Institute found that a 65-year-old couple could need nearly $400,000 to meet lifetime expenses in a worst-case scenario.But these forecasts can be misleading, since you won’t be spending these big sums all at once. And much of your healthcare spending can be managed very well - because it can be predicted and covered by health insurance. The more important questions: What are the outsize risks that could upset your retirement plan? And, what can you do to mitigate those risks?This week, I’m releasing my new guide to the cost of healthcare in retirement. As always, the guide is paired with a podcast interview with a top expert on the topic. For this one, my guest is Steve Vernon. Steve is an actuary by background, and he worked for years as a consultant to large corporate retirement plans before starting his own consumer retirement education firm. He also is a research scholar at the Stanford Center on Longevity, and writes a column for CBS MoneyWatch. Steve’s latest book is called Retirement Game-Changers. In it, he focuses on helping older workers navigate the critical decisions they need to make as they transition from employment to retirement. And the book provides very thoughtful insights on how to think about health care in retirement.Click on the player icon at the top of this page to listen to our conversation. And download your copy of the guide here.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

In this weeks episode, we spoke to Team New Balance Manchester coach, Steve Vernon. Steve was a fantastic cross country runner in his own right, finishing 10th at the European Cross Country champs in 2012 and has an impressive 8 national cross country medals to his name. He is now the team coach of New Balance Manchester where he coaches a whole group of professional athletes. We discussed cross country, coaching and of course...mixed up with some light-hearted chit chat.

Steve Vernon and the tradition of ghost story-telling.

Rick and Keith are joined by Florida Citizens Alliance Board Member Steve Vernon. Mr. Vernon talks about his latest trip to Tallahassee and the effort to receive co-sponsors on House Bill 855, Instructional Materials. The goal was to receive sponsors from the House and the Senate which was successful. Together, they discuss the Bills that the Florida Citizens Alliance is working to fix. They also work on explaining the process and effort that it takes to get Bills fixed.   Check out Steve Vernon's Bio http://floridacitizensalliance.com/liberty/steve-vernon/   Learn more about House Bill 855 https://www.flsenate.gov/Session/Bill/2019/855   Email us at info@goflca.com

Guest interviewer Marti DeLiema, research scholar at the Stanford Center on Longevity, sits down with Steve Vernon to discuss the MORE Design, a new strategy to help both employers and employees work together to provide the optimal plans for health and financial security. It brings together psychological science and behavioral economics to provide a comprehensive […]

Guest interviewer Marti DeLiema, research scholar at the Stanford Center on Longevity, sits down with Steve Vernon to discuss the MORE Design, a new strategy to help both employers and employees work together to provide the optimal plans for health and financial security. It brings together psychological science and behavioral economics to provide a comprehensive […]

Bob Edwards chats with Steve Vernon about planning for retirement and getting the most out of the money you have saved.

Some of my earliest scares occurred late at night, in the days leading up to Halloween, with a flashlight and a book of spooky stories. Individually the stories may span just a few pages, but with each one the authors managed to drag young minds along to places more horrifying than they could have ever imagined. In this Halloween special, Nighttime will again take inspiration from these books and dress itself up as a collection of scary stories. Tonight you will hear three chilling stories from haunted Nova Scotia... written and read by my favorite Horror Author, Steve Vernon. Links: Steve Vernon on Twitter: https://twitter.com/StephenVernon?lang=en Buy 'Where the Ghosts Are': https://www.nimbus.ca/store/where-the-ghosts-are.html Contact: Website: https://www.nighttimepodcast.com Twitter: https://twitter.com/NightTimePod Facebook: https://www.facebook.com/NightTimePod Instagram: https://www.instagram.com/nighttimepod Email: NightTimePodcast@gmail.com Support the show: https://www.patreon.com/nighttimepodcast Support the show: https://www.patreon.com/Nighttimepodcast See omnystudio.com/listener for privacy information.

On this fortnight's show we speak to Team New Balance Athlete Lauren Howarth. We talk about the major impact a period of 'clean eating' has had on her long term career and health. We talk about the difficulty of finding the right advice and the impact of her current coach, Steve Vernon, has had in getting her back on track. We also discuss the Hackney Half Prize Draw, Jermaine's snowboarding skills and Shaun's desire to present the One Show If you like this episode please SUBSCRIBE to get every episode delivered to you before everyone else.  Join the conversation! If you want to join in, request a guest or chat about this episode then head over to the Strava Group (https://www.strava.com/clubs/144083) Follow us on Twitter (https://twitter.com/letsgetrunning) | Instagram (https://www.instagram.com/letsgetrunning/) | Email us | Buy merch at the shop. (https://www.letsgetrunning.co.uk/shop?category=Running+Clothing) Lastly, don't forget to rate and review on iTunes! (https://itunes.apple.com/gb/podcast/lets-get-running-podcast/id1392963885?mt=2&app=podcast)  

In this episode, Dale Hall, FSA, MAAA, CERA, CFA, Managing Director of Research discusses the Living to 100 Monograph topic, Insights into Successful Aging, with Steve Vernon, FSA, MAAA and Jean-Marc Fix, FSA, MAAA.

Halifax's Black Rock Beach is home to many dog walkers, bike riders, and picnic enthusiasts, but the site's history is far darker then those casually strolling through may realize. A rock outcropping on Black Rock Beach was the site of one of Halifax's public gallows. Not only were many executed on the site, but their lifeless bodies were left hanging to serve as warning to incoming sailors. In this episode, I am again joined by past Nighttime guest and local horror storyteller Steve Vernon who shares his story The Piecemeal Ghost of Black Rock Beach. You can find Steve Vernon at https://twitter.com/StephenVernon Buy 'Halifax Haunts' at https://goo.gl/dv8oKp Contact: Website: https://www.nighttimepodcast.com Twitter: https://twitter.com/NightTimePod Facebook: https://www.facebook.com/NightTimePod Instagram: https://www.instagram.com/nighttimepod Email: NightTimePodcast@gmail.com Support the show: https://www.patreon.com/nighttimepodcast Support the show: https://www.patreon.com/Nighttimepodcast See omnystudio.com/listener for privacy information.

On a dark and stormy night, I joined local author/storyteller Steve Vernon on a tour of Halifax, Nova Scotia's most haunted locations. In this Halloween special, I take you along for the ride with us to The Halifax Citadel, the old Spring Garden Road Library, Shirreff Hall, Halifax Club, and The Ashburn Golf Club. As we stopped at the storied locations, Steve shared excerpts from his book 'Halifax Haunts'. You can find Steve Vernon at https://goo.gl/JGUHaq Buy 'Halifax Haunts' at https://goo.gl/dv8oKp Contact: Website: https://www.nighttimepodcast.com Twitter: https://twitter.com/NightTimePod Facebook: https://www.facebook.com/NightTimePod Instagram: https://www.instagram.com/nighttimepod Email: NightTimePodcast@gmail.com Support the show: https://www.patreon.com/nighttimepodcast Support the show: https://www.patreon.com/Nighttimepodcast See omnystudio.com/listener for privacy information.

This week we talk to running legend and endurance running coach Steve Vernon, winner of a record number of medals at the National Cross Country and the holder of 5 North of England Cross Country Titles surpassing the great Ron Hill. We talk climbing trees, taking advice from Dave Brailsford and coaching an elite athlete on his way to Rio.  If you like this episode please SUBSCRIBE to get every episode delivered to you before everyone else.  Join the conversation! If you want to join in, request a guest or chat about this episode then head over to the Strava Group (https://www.strava.com/clubs/144083) Follow us on Twitter (https://twitter.com/letsgetrunning) | Instagram (https://www.instagram.com/letsgetrunning/) | Email us | Buy merch at the shop. (https://www.letsgetrunning.co.uk/shop?category=Running+Clothing) Lastly, don't forget to rate and review on iTunes! (https://itunes.apple.com/gb/podcast/lets-get-running-podcast/id1392963885?mt=2&app=podcast)

Check out the books we're discussing here! Kobo Writing Life Director Mark Lefebvre interviews author Steve Vernon, a writer and storyteller of both written and spoken words and they discuss the following: ·         Aspects of writing a serialized story (Steve's Flash Virus Series), elements of humour in a thriller/horror story and the perspective of being able to laugh at life.  ·         Steve's first published story in the mid 1980's in a magazine that featured “Busoms, beards and big bellied bikers.” ·         Embracing both traditional publishing and self-publishing as a hybrid author and how that syncs beautifully with how Steve really “isn't a writer, just a windbag who likes to spin yarns” ·         The importance of being able to adapt and continue to learn as a writer ·         A few of Steve's titles:  Sinking Deeper, Maritime Murder, Tatterdemon Omnibus ·         Steve's favourite advice for writers ·         Some book recommendations from Steve (The Scorpion Races & The Raven Boys by Maggie Stiefvater) Also included in this episode are Mark's “Three P's of Self-Publishing Success” as well as a listener question regarding ensuring your Goodreads reviews appear on Kobo.   Steve's Blog “Yours in Storytelling” http://stevevernonstoryteller.wordpress.com/   Download Episode One of Steve's Flash Virus series (FREE) www.kobobooks.com/search/search.html?q=9780988097223   Steve's Flash Virus Series http://www.kobobooks.com/search/search.html?q=Flash+Virus&t=none&f=series&p=1&s=none&g=both   Steve Vernon's Books on Kobo http://www.kobobooks.com/search/search.html?q=%22Steve+Vernon%22&t=all&f=author&p=1&s=numpurchases&g=both&l=    

In this sinful episode of Dread Media, after theorizing on the shady beginnings of some news, Desmond Reddick reviews Steve Vernon's new nasty superhero chapbook Nothing to Lose. Then he moves on to the Eurosleaze film Satan's Baby Doll, and an American sexploitation DVD from Something Weird Video, The Joys of Jezebel / My Tale is Hot. There's news, feedback and tunes galore. They include: "Locked Down" by Turbonegro, "Devil's Plaything" by Danzig, "Bad Devil" by Devin Townsend and "Meet the Creeper" by Rob Zombie. Don't be scared off by the masturbating nun and contact me: dreadmedia@earth-2.net and 206-203-1213.

In this sinful episode of Dread Media, after theorizing on the shady beginnings of some news, Desmond Reddick reviews Steve Vernon's new nasty superhero chapbook Nothing to Lose. Then he moves on to the Eurosleaze film Satan's Baby Doll, and an American sexploitation DVD from Something Weird Video, The Joys of Jezebel / My Tale is Hot. There's news, feedback and tunes galore. They include: "Locked Down" by Turbonegro, "Devil's Plaything" by Danzig, "Bad Devil" by Devin Townsend and "Meet the Creeper" by Rob Zombie. Don't be scared off by the masturbating nun and contact me: dreadmedia@earth-2.net and 206-203-1213.

In this sinful episode of Dread Media, after theorizing on the shady beginnings of some news, Desmond Reddick reviews Steve Vernon's new nasty superhero chapbook Nothing to Lose. Then he moves on to the Eurosleaze film Satan's Baby Doll, and an American sexploitation DVD from Something Weird Video, The Joys of Jezebel / My Tale is Hot. There's news, feedback and tunes galore. They include: "Locked Down" by Turbonegro, "Devil's Plaything" by Danzig, "Bad Devil" by Devin Townsend and "Meet the Creeper" by Rob Zombie. Don't be scared off by the masturbating nun and contact me: dreadmedia@earth-2.net and 206-203-1213.

In this sinful episode of Dread Media, after theorizing on the shady beginnings of some news, Desmond Reddick reviews Steve Vernon's new nasty superhero chapbook Nothing to Lose. Then he moves on to the Eurosleaze film Satan's Baby Doll, and an American sexploitation DVD from Something Weird Video, The Joys of Jezebel / My Tale is Hot. There's news, feedback and tunes galore. They include: "Locked Down" by Turbonegro, "Devil's Plaything" by Danzig, "Bad Devil" by Devin Townsend and "Meet the Creeper" by Rob Zombie. Don't be scared off by the masturbating nun and contact me: dreadmedia@earth-2.net and 206-203-1213.