Securities America, a broker-dealer with more than 1,800 financial professionals nationwide, is working with Medicare BackOffice™, a team of insurance agents licensed, contracted and certified in all 50 states to provide Medicare advice and products. While Medicare BackOffice™ agents ultimately work directly with consumers, the company’s initial customers are financial advisors or other professionals who want to help their clients navigate Medicare while continuing to concentrate on their primary business.
“As health care costs continue to climb, more people approaching retirement are asking their advisors for advice on picking a Medicare health insurance plan and keeping health care affordable,” said Brian Hickey, Medicare BackOffice™ vice president. “We created Medicare BackOffice to help financial advisors and other professionals who don’t specialize in Medicare meet this demand so they aren’t turning clients away – and potentially losing them forever.”
By offering Medicare BackOffice™ to its financial advisors, Securities America provides a value-added service that distinguishes the company from other broker-dealers, said Zach Parker, first vice president of income distribution and product strategy at Securities America.
“At Securities America, we pride ourselves on equipping our financial advisors with tools that provide exceptional service to clients,” Parker said. “Medicare BackOffice™ gave us two solutions – first, a way for our advisors to better serve consumers who are asking for help with Medicare; and secondly, yet another way to set us apart from competitors, so that financial advisors know they’re getting an edge when they work with Securities America.”
USA Today in April reported that more than half of retirees responding to an annual survey by the Employee Benefit Research Institute are not confident that they have saved enough to pay their medical expenses during retirement. The finding came at the same time the Bureau of Economic Analysis reported that health care spending rose at the fastest pace in 10 years in the fourth quarter of 2013.
“Consumers already are feeling the pinch of higher health care spending and want help managing those expected costs in the future,” said Medicare BackOffice’s Hickey. “Financial advisors who help them with that first step – choosing the right Medicare health plan – fortify their relationship as a trusted advisor, ensuring that they’ll return when they need help with other financial needs. A broker-dealer or independent financial advisor doesn’t need to be a Medicare expert to help clients. Now, all they have to do is refer them to Medicare BackOffice™.”
About Medicare BackOffice™
Based in Omaha, Nebraska, Medicare BackOffice™ is a support service for broker-dealers, independent financial advisors, insurance agents and other professionals, helping their clients find the right Medicare health insurance plan. Professionals simply refer clients to Medicare BackOffice’s team of dedicated insurance agents, who are licensed, contracted and certified in all 50 states to provide Medicare advice and products from insurance carriers that are “A”-rated or better. By making clients’ search for Medicare answers easier and stress-free, Medicare BackOffice™ strengthens the referring professional’s relationship with clients. For more information, visit http://www.medicarebackoffice.com. Medicare BackOffice™ is not connected with or endorsed by the United States government or the federal Medicare program.
About Securities America
Securities America is one of the nation’s largest independent broker-dealers with more than 1,800 independent advisors responsible for more than $ 50 billion in client assets.
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If you’ve ever pounded the pavements in a fancy pair of running shoes, you’ve probably also strapped a mobile phone to yourself to track and record your every movement. And there’s no shortage of apps to help you do just that.
But over the past few years, one Tokyo-based man has taken technology and the art of running to a whole new level.
Hailing originally from Orcop, a rural village in Hertfordshire, England, Joseph Tame fell in love with Japan following a backpacking trip in 2001. Having spent a couple of years (unsuccessfully) trying to secure a work visa, he returned to the UK to enroll for a Japanese Studies degree at the University of Sheffield, eventually graduating in 2008. It was there he met his future (Japanese) wife, Satoko, and they upped sticks and relocated to Tokyo in September 2008.
For the past five years, however, Tame has been garnering attention for his peculiar penchant for strapping gadgets to his body and broadcasting his efforts from the Tokyo Marathon to the world. Then there’s his running art, which involves mapping out elaborate routes on Google Maps that resemble well-known ‘things’ – such as company logos or animals. But more on that later.
Joseph Tame – Marathon Man
His first foray into organized running was the 2009 Tokyo 10km (a quarter of the full Tokyo Marathon), but he soon progressed to the full shebang, which he has completed every year since 2010.
In his inaugural full-marathon year, Tame live-streamed his run from a head-mounted iPhone, grabbing more than 13,000 viewers and attracting north of 1,000 tweets per hour. But in 2011, Tame upped his game, building himself a fairly sophisticated social media studio featuring four iPhones, an iPad, iPod, Android phone, rotatable mounts, 3 WiFi units and a bird-feeding dish. ‘Bonkers’ doesn’t even begin to cover it.
His so-called iRun unit was equipped with Twitter, RunKeeper, FaceTime and Skype, and it featured a mini weather-station to stream information about the temperature, CO2, noise and humidity levels.
Tame is retuning for his fifth Tokyo Marathon this coming Sunday, and as you’ll see, he’s ramping things up a notch yet again.
Return of the iRunner
For the 2014 Tokyo Marathon, Joseph Tame will be sporting a wind-powered 360-degree camera that rotates as he runs. Here’s a glimpse of what you can expect.
On his 26.2-mile Tokyo traipse, Tame will be sporting the following equipment, which serve as trackers, cameras, power, and back-up devices.
1 x iPhone 5S: Purpose? Communicate with his team, RunKeeper, and a backup device for his Ustream broadcast
1 x iPhone 5: Purpose? Safecast radiation monitor and for Nike+ Running GPS tracking backup
1 x Samsung Galaxy S4: Purpose? Glympse for simple location-tracking by his support team, a backup device for Ustream broadcast, and data tethering
2 x LTE pocket WiFi units: Purpose? One for each of the two live-streams
180GB of micro SD cards: Purpose? A lot of content is being captured!
1 x Bluetooth heart monitor: Purpose? Quantifying one’s self by streaming more data to RunKeeper Live
1 x iPad mini: Purpose? Checking Twitter and Facebook – this is strapped to his wrist
1x GoPro Hero 3: Purpose? Capture video
1 x Sony Action Cam: Purpose? Capture video
1 x Nikon mini boom mic, with wind guard: Purpose? Capture audio
2 x LiveShell live stream encoders: Purpose? To enable the Ustream broadcast
“The LiveShell is a real blessing – the developer is a local guy who has improved this over the past couple of years,” explains Tame. “Now all I have to do is turn it on and it will auto-connect to the appropriate Ustream channel via my pocket WiFi unit and start the broadcast.”
Tame has two of these LiveShell devices, covering each camera. One camera is mounted to the end of a 360-degree swivel boom, which is attached to his helmet facing him. The other is fixed on his helmet pointing outwards, but both will stream via HDMI whilst recording to the micro SD cards.
Throw into the mix six Energizer XP18000A batteries, which provide more than 104,000 mAh of power – “enough to recharge an iPhone about 72 times” – and you can start to imagine how much preparation, planning and expense has gone into this. He’s a one-man film-crew, broadcaster and marathon-runner.
So, are Tame’s iRunning exploits just a happy coming together of two hobbies – running and technology?
“Actually, I never had a love of running,” says Tame, in an interview ahead of his marathon exploits this weekend. “Up until 2008, I’d never run. In fact, in 2003 I experienced chest pains when running, and was fitted with a temporary heart monitor. I was told that if my heart hurt when I ran, I shouldn’t run. However, the only running I ever did was to make it to the train on time, so I wasn’t too bothered.”
In 2008, one of Tame’s friends persuaded him to run a 5km course around Tokyo’s Imperial Palace once a week. “It was tough, and I wouldn’t say that I really enjoyed it, but Tom [his friend] was persuasive – and it just so happened that the iPhone had recently launched in Japan.”
Tame says he was a lover of gadgets long before smartphones and other connected devices arrived on the scene. As a kid he bought and built little DIY radio kits, created elaborate motor-driven mousetraps, and even tried to keep his sister from entering his bedroom by building combination locks from playing cards and kitchen foil.
“I became interested in Apple products while at university, I was influenced by a classmate who’d been an early adopter,” says Tame. “I bought an iPod Classic, then a white MacBook and later became enthralled by the idea of the iPhone.”
So enthralled, in fact, that the first thing he did when he returned to Japan as a married man was go to buy an iPhone. “That really blew my mind,” he says. “It was incredible to have this computer in the palm of my hand.”
Switching swiftly back once more to Tame’s childhood, he says he’s always had an interest in recording aspects of his life – he kept a diary from the age of 10, an SLR from the age of 13, and a blog from the turn of the century. But then the iPhone came along and blew all that out of the water. “Suddenly, this device gave me the ability to track my movements around town,” adds Tame. “I used Everytrail back then, one of the first GPS apps for the iPhone.”
“RunKeeper has all the functionality I need, including being able to share your route live with the public,” explains Tame. “Whilst there are a lot of running apps out there now, that wasn’t the case for a long time. RunKeeper has been there from the very start, and has continued to develop in line with advancements in technology. For example, RunKeeper was one of the first to support the M7 processor in the iPhone 5S.”
This basically enables ‘pocket tracking’, meaning that it can automatically record any walks you do of more than fifteen minutes without opening the app. “RunKeeper’s support for the M7 was a key reason for buying the 5S,” adds Tame.
As is the case for most runners, being able to track one’s moves and revisit this data afterwards brought a lot of value to the running experience for Tame.
“The turning point for me was when I combined running and GPS tracking using the iPhone – I could go home and see on the computer where I’d run,” he says. “I could feel satisfaction in what I’d achieved, and I could share that with others. That gave me the motivation to continue running.”
Moving with the times
Joseph Tame: The Running Man
Between Tame’s early technology-powered jaunts and his upcoming 360-degree effort of 2014, a lot has changed in the technological realm.
Back in the day, Tame’s mobile phone contract forbade live-streaming apps, which was a bit of a bummer considering he’d decided to enlist the (virtual) support of his friends and family around the world when running the quarter-marathon in 2009. However, one jailbroken iPhone later, Tame installed QIK on his device to live-stream the run – but it wasn’t the most sophisticated of setups.
“The phone was strapped to my forehead, so I couldn’t read the messages of support,” says Tame. “But I could feel the phone vibrate, so I knew that people were watching! Ironically, I tried to run so fast in the first 5km to impress viewers that I nearly had to give up before completion. Just being able to live-stream video from my mobile phone to friends and family in the UK was mind-boggling. Just incredible.”
Besides having to jailbreak his phone to use QIK, Skype couldn’t be used over 3G – which was slow and lacked extensive coverage anyway – and battery-life was appalling.
“You couldn’t actually charge an iPhone fast enough from an external battery to keep it running when live-streaming,” he says. “Literally, you would have to switch phones whilst the first recharged.”
Throw into the mix the lack of pocket WiFi, and the general unreliability of the technology that was available, then you can start to imagine how much more tricky things would’ve been back in 2009. “For the first three years, my runs were plagued with power-loss, signal-loss and crashes. It was quite stressful,” continues Tame.
Indeed, for the 2014 run, Tame has the luxury of quality live-streaming on all devices, good back-up batteries, fast LTE, and pocket WiFi. Things are definitely looking up.
While Tame may be a one-man band, he does get support on the day from his family, who not only cheer him on but monitor the live stream to let him know if there are any problems, such as a camera disconnect or GPS failure. And this year, he will have a team supporting him around the marathon route, carrying spare batteries, food and drink, not to mention providing moral support at predetermined spots around the course.
“I have hundreds of thousands of supporters along the route who shout out my name – although this may have something to do with the fact that my name is written on the front of my helmet in Japanese,” says Tame. “But a lot of people will actually recognize me now.”
Tame also tracks Twitter and Facebook for messages during his run, and tries to respond to as many questions as he can. “Running is ninety percent mental, so this all makes a huge difference,” he adds. “I had 42,000 live viewers previously, which I found quite startling. I couldn’t give up in front of all of them.”
If you find Tame’s iRunning exploits in the Tokyo marathon interesting, quirky or downright bizarre, that’s only part of Joseph’s story. Welcome to the world of running art.
The art of running
Google+ received pretty warm reviews from its early band of users back in 2011, but Tame took his appreciation of the social network to a whole new level by running a half-marathon route mapped out to resemble the Google+ logo. But this wasn’t the first time he’d involved himself in such escapades.
Tame Runs the G+ Logo
The previous year, Tame had mapped out a route to run that resembled an elephant, which was basically his bid to distract himself from the psychological barriers he faced when running more than 12km.
Indeed, rather than doing what most runners do, and plot out the most feasible circuit from home and back again, he creates GPS traces that paint pictures. Can you see the elephant in Google Earth here?
“Ever since I first started tracking my runs with my iPhone, I wanted to create some kind of art with the tracks,” explains Tame. “Whilst I now know that others were doing it before me, I was not aware of that at the time. The reason for starting it was that when training for a marathon, you have to run long distances alone. That’s pretty boring. So I started this running art project to make it more interesting for myself.”
What began as a ‘simple’ boredom-alleviating exercise has blossomed into something mega. He’s now being commissioned by companies to work his magic out on the streets of Tokyo.
Just do it
In 2012, Tame was approached by creative ad agency W+K, which is known for its big-budget marketing campaigns for major firms.
For the launch of Nike’s new running shoes, they wanted to find someone to run 100 meters every time someone ‘Liked’ the Nike Facebook Page. “But that alone wasn’t really enough, because ultimately all that person would be doing was running – it wouldn’t make for a very entertaining campaign,” explained Tame at the time.
“However, imagine if those Likes were somehow turned into interactive art in a way that would truly engage people both online and out there on the street?,” he continues. “If, in addition to increasing the distance the runner had to run, fans could actually determine where that runner ran.”
To cut a long story short, the initiative garnered 28,000 Likes, and they decided to also include the Likes from individual posts on the Nike Page too, but these were only counted at 10 meters per Like. Tame ultimately had to run 420km – roughly ten marathons. Check out Joseph Tame in the official Run Like Me promo video here:
Tame’s running art shenanigans have yet to materialize into a full-time gig, though Tame says he wouldn’t be averse to that happening.
“I have been approached to do commissions for several organizations worldwide, although none have come to fruition yet,” he says. “That is something I would like to do though. The only thing stopping me from taking it full-time is time – I need to put more time in to this to get to the stage where it could provide a regular income. As things stand, short-term demands make that tough, but I have no intention of letting the opportunity go.”
Thus far, Tame has earned enough from this to cover material costs, through projects such as Nike’s Run Like Me campaign. And he’s been paid to appear on TV and radio shows, while you may remember he also showed up at LeWeb in France a few years ago.
While it’s clear Tame would love to transform his GPS art into a career, for now he’s still running a small company five days a week, providing digital media services to a number of clients. But the attention garnered from his quirky extracurricular exploits out on the streets has worked wonders for business. “The marketing power of doing something so ridiculous cannot be underestimated,” says Tame.
The Tokyo Olympics
Tame says the most challenging art running project he completed was just last year, in preparation for Tokyo’s 2020 Olympic Games bid. “I like to think that Tokyo got the Olympics just because I did this,” jokes (we think) Tame.
He ran 385km between August and September, emulating the official campaign emblem, darting in and out of hospitals, university campuses, and even across baseball pitches. It can’t be easy finding a route that looks like this:
Tokyo 2020 Emblem
Tapping Google Maps, Google Earth, Photoshop and a barrel-load of patience, Tame has painstakingly recreated logos and pictures across a hundred different entities, though he does admit that this is merely an estimate. He has lost count.
If you’re sitting there thinking, ‘Heck, I’d like to do something like this’, you can see some of his processes first-hand in this Discovery Channel skit.
The future, according to Tame
Tame’s longest non-stop run thus far has been 53km, which was for one segment of his Nike project. And if you’re wondering what kinds of times Tame is notching up for his marathons, well, he says he nabbed a 4h 30m for an ‘unofficial’ personal marathon while doing one of his art pieces.
The iRunner managed a 5h 06m in the Tokyo Marathon, and you must remember that was laden with cameras, mics, phones and tablets – so it’s really quite a decent time. Interestingly, Tame tells us that he’s never actually completed a ‘normal’ marathon – one not involving art or live-streaming.
Next up for Tame, after the 2014 Tokyo Marathon is lost to the foggy ruins of time, are more LED art projects, which basically involves kitting himself out with a tonne of lights and illuminating his path. He carries out a series of long exposure shots around Tokyo’s landmarks.
For this, Tame has got a battery sponsor – which he’s also benefiting from in the upcoming marathon – as batteries are pretty much imperative for LED runs such as this.
However, Tame became a father last September, so little Ricky should be taking up more of his time. “He’s just starting to become aware that his dad tends to wear windmills and LEDs,” says Tame.