Marla Bold, Author at Reh Blind

Possible 2025 IRMAA

March 4, 2025June 2, 2024 by Marla Bold

For retirees in medicare the tax of IRMAA is happening and at a more alarming rate than ever before, so much so that the future of IRMAA will impact many more retirees than anyone is planning for. The 2025 IRMAA brackets are expected to affect even more retirees than the current brackets. Each IRMAA tier has a corresponding marginal tax rate that determines the additional premium part B and part D surcharges.

In 2007, when IRMAA first came into existence, roughly 1.7 million Medicare beneficiaries were hit with this tax.

Today, in 2023, the amount of people in IRMAA is over a staggering 6.8 million. This is an increase of 9.00% annually from 2007 and the future doesn’t look like it will decrease either.

What is the Future of IRMAA?

According to recent reports from the Trustees of Medicare, by 2030 there will be at least 12.8 million or 25% of all eligible Medicare beneficiaries in IRMAA.

This amount of Medicare beneficiaries who will be in IRMAA, according to the Trustees, must occur, regardless of what the IRMAA thresholds may become as the program itself (Medicare) will be insolvent in just a few years without it.

IRMAA is simply a revenue source for both the Medicare and Social Security programs, without it both programs will be in serious jeopardy. The Social Security Administration uses your modified adjusted gross income (MAGI) to determine your IRMAA tier and corresponding marginal tax rate.

What is IRMAA?

IRMAA, short for Medicare’s Income Related Monthly Adjustment Amount, is a surcharge on to of Medicare Part B and D premiums for those who earn to much income. The income-related monthly adjustment amount (IRMAA) is based on your modified adjusted gross income.

IRMAA is a tax on income.

If you earn an income over a certain limit, then your Medicare premiums will increase accordingly. The more you make in oncome the higher your premiums will be. Your adjusted gross income, as reported on your tax return, is used to determine if you are subject to the income-related monthly adjustment amount. The marginal tax rate for IRMAA can be as high as 85% for the highest income tier.

Compounding this issue of IRMAA and its surcharges is that any surcharges you are hit by will reduce your Social Security benefit too.

You pay for your IRMAA surcharges through your Social Security benefit.

So, the more income you earn in retirement the more your Medicare premiums will be and the lower your Social Security benefit will be too. For married couples filing jointly, the IRMAA threshold is higher than for single filers. The Social Security Administration determines your IRMAA tier and premium part B and D surcharges based on your taxable income.

Beware of Criminal Scammers Pretending to be from Canopy

June 3, 2024May 31, 2024 by Marla Bold

No one wants to be a victim of fraud. Unfortunately, criminal scammers are continuously evolving their tactics and technology to find new ways to commit fraud. Recently, we’ve been getting reports from our members at Canopy Credit Union that scammers have been targeting some of them by spoofing Canopy’s main phone number and pretending to be representatives of Canopy. These scammers are taking advantage of the trust our members have when they see our phone number flash on their caller IDs, with no way to tell that it’s a fake number. The scammers are using information they’ve gleaned about the members they are contacting, which can include names, addresses and other details, in order to convince the members to give them additional sensitive data, such as login information, account numbers, social security numbers, or card numbers.

Your Security is Our Top Priority

Canopy takes all security risks seriously and treats all threats with the highest priority. We want our members to know that we will never ask for Personal details over the phone or through e-mail communications. If someone reaches out to you and requests information that feels suspicious, such as your account password, social security number, credit or debit card details, or accounts numbers, hang up immediately. Reach out to us afterwards with a phone call to 509.328.2900 or through the secure online chat at canopycu.com. Actual representatives from Canopy will never ask you for this kind of information over the phone.

HOW TO TELL IF IT’S REALLY US

When a representative from Canopy is legitimately reaches out to a member because of a suspicious transaction alert, we provide you with the exact merchant the transaction was charged from, the date the purchase took place, and amount of the transaction in question. If it turns out that the transaction is the result of fraud, we will ask if the address we have on file for you is the correct one to send a new card out to, and we will state the address in full, checking with you only if it needs to be updated.

As always, if a member does not feel comfortable communicating over the phone, we applaud them for being cautious. With so many scammers learning more and more about everyone through data breaches on the dark web, it is always better to be safe than sorry. If for any reason you feel unsure about a phone call that appears to be from Canopy, hang up and call us back or come into a branch to speak with a member of our team in person.

FRAUDSTERS USE YOUR INFORMATION TO SOUND LEGITIMATE

To make themselves sound more legitimate, fraudsters are giving fake case numbers, names, and asking members to call them back on a different line than Canopy’s. If you receive a voicemail message asking you to call back on a number that is not Canopy’s main phone line of 509.328.2900, treat it with suspicion and call us directly instead.

To minimize the chances of becoming a target for fraudsters, it’s important that you are diligent about Where and how often you share sensitive information on the web. Fraudsters work full time obtaining as much information about their targets as they can before reaching out to them. They look for addresses, family tree information, search through social media, and gather data from the dark web released in data breaches. When they have a list of targets, they research which Financial institutions their targets may belong to and reach out to them, pretending to be from one of their trusted banks or credit unions.

What You Can Do to Protect Yourself

One of the best things members can do to protect their sensitive data is sign up for a service that scans for their information on the dark web and will alert them to take action when it’s found. At Canopy we offer this service through Norton LifeLock for free when our members obtain one of our credit cards, but even then, members need to be wary of scammers impersonating Norton as well.

Canopy is always striving to provide the highest level of security possible for our members. Even so, it’s vital that our members remain vigilant and alert regarding any suspicious callers or e-mailers requesting any specific information about accounts or personal identity. If you have any questions or concerns regarding the security of any of your accounts or information at Canopy, please feel free to reach out to us by phone, chat, or by stopping into to any of our branches.

Canopy Credit Union | Protect Yourself

Exploring Audi Leasing Offers

June 3, 2024May 21, 2024 by Marla Bold

Renting a vehicle has turned into an more and more common choice for those wanting to use a brand-new vehicle excluding the extended obligation of possession. Within the many manufacturers on the market, Audi is notable for its mix of elegance, performance, and advanced tech. This write-up explores Audi leasing offers, highlighting what prospective customers must understand to make an well-informed decision here.

Summary of Key Points

Audi Leasing Basics: Definition, benefits, and basic procedure.
Current Leasing Angebote: Overview of current promotions.
Financial Considerations: Costs involved, like monthly payments, initial payments, and extra costs.
Leasing vs. buying: Benefits and downsides of leasing compared to purchasing a car completely.
Tips for Leasing an Audi: Practical advice for obtaining the best offer.

Audi Leasing Basics

What is Leasing?

Renting a automobile means paying for the use of the automobile over a defined term, typically two to four years. Unlike funding a buy, you don’t own the vehicle at the conclusion of the agreement; rather, you return it to the dealer.

Benefits of Leasing an Audi

Lower Monthly Payments: Leasing typically provides reduced monthly payments in comparison to buying.
Driving the Latest Models: Lease agreements enable you to drive a brand-new automobile frequently.
Maintenance and Warranty: Many leases cover routine upkeep and are protected by guarantee, minimizing out-of-pocket fees.

Current Audi Leasing Angebote

Audi often Updates its leasing promotions to bring in new customers. These promotions can vary by region and dealership but generally offer enticing regular fees and adjustable conditions.

Example Offers

model	Monthly Cost	Term	Initial Payment
Audi A3	€299	36 months	€3,000
Audi Q5	€499	48 months	€4,500
Audi A6	€579	36 months	€5,000
Audi e-tron	€699	36 months	€6,000

Important: These offers are for illustrative uses and genuine conditions may differ.

Financial Considerations

Leasing an Audi includes several economic aspects:

Monthly Payments

The monthly lease fee is based on the car’s loss of value, the finance rate, and any additional charges.

Down Payment

A deposit is usually necessary at the commencement of the lease period. This upfront expense can notably influence your monthly fee.

Hidden Fees

Be aware of additional fees such as:

Acquisition Fee: A cost for starting the lease, generally around €500 to €1,000.
Disposition Fee: A charge for bringing back the vehicle at the conclusion of the lease, typically around €300 to €500.
Mileage Overages: Leases often have mileage restrictions (e.g., 10,000 miles per year). Going over this limit can cause considerable costs, typically €0.15 to €0.30 per mile.

Leasing vs. Buying

Pros of Leasing

Lower Initial Costs: Reduced deposit and regular payments.
No Depreciation Worries: You do not have to be concerned with the car’s worth.
Flexibility: Opportunity to change to a new automobile periodically.

Cons of Leasing

No Ownership: You do not possess the vehicle at the end of the lease period.
Mileage Limits: Restrictive mileage limits can result in added costs.
Long-Term Cost: Over time, leasing can be higher priced than purchasing, especially if you lease repeatedly.

Tips for Leasing an Audi

Negotiate Terms: Without fail negotiate the conditions, like the capitalized cost, Money factor, and mileage caps.
Understand the Fees: Understand all potential charges to avoid unexpected expenses.
Choose the Right Model: Select a model that fits your needs and budget.
Check for Promotions: Search for seasonal offers or unique promotions from Audi dealers.

Leasing an Audi can be a shrewd option for those who appreciate the brand’s luxury and creativity but choose not to commit to purchasing a automobile. By knowing the leasing steps, latest offers, and economic implications, you can form an well-informed choice that matches with your daily routine and financial situation.

Expert Plumbing and Drainage Solutions by Vortex Plumbing in Kent

March 27, 2024 by Marla Bold

Maintaining the optimal performance of plumbing systems in homes and businesses is crucial for ensuring their functionality and integrity. Vortex Plumbing and Drainage Specialists in Kent, are recognized for their reliable and expert plumbing services, catering to a broad spectrum of client requirements throughout the area.

Domestic Plumbing Services Overview

Vortex Plumbing offers an extensive range of residential plumbing services, covering everything from installations and repairs to maintenance and urgent responses. Homeowners facing issues like leaks, clogged drains, or faulty water heaters can depend on Vortex Plumbing for swift and proficient solutions, ensuring their home’s plumbing operates smoothly, enhancing their living comfort and convenience.

Commercial Plumbing Services Insights

The demands of commercial plumbing systems, given their complexity and scale, necessitate specialized knowledge and tools. Vortex Plumbing and Drainage Specialists are adept at meeting the specific plumbing needs of various commercial entities, including businesses, educational institutions, healthcare facilities, and restaurants. Our services encompass large-scale projects, routine upkeep, and emergency repairs, all delivered with the aim of ensuring seamless operation, minimizing operational interruptions, and improving system efficiency.

Vortex Plumbing’s Core Services

Installation Services: Our expertise extends to the installation of fixtures, pipes, and comprehensive plumbing infrastructures for both residential and commercial properties, ensuring precise installation and compliance with standards for optimal system performance and durability.

Repair Services: We are prepared to address all repair needs, from simple fixes to complex issues, with a focus on quick response, detailed problem assessment, and effective solutions to prevent recurrence and additional expenses.

Maintenance Services: Vortex Plumbing provides customized maintenance plans for both home and business clients, aimed at extending system lifespan and preventing unexpected failures, ensuring plumbing efficiency and reliability all year round.

Emergency Services: Recognizing that plumbing emergencies can happen at any time, we offer 24/7 emergency assistance to promptly tackle critical issues, helping to reduce inconvenience and potential damage.

Vortex Plumbing and Drainage Specialists in Kent are dedicated to providing top-tier plumbing solutions for both residential and commercial clients. Leveraging our deep expertise, commitment to customer satisfaction, and comprehensive service range, we aim to address every plumbing need with reliability and excellence. Whether facing routine maintenance, a complex installation, or an urgent issue, our clients can trust in Vortex Plumbing for exceptional service and peace of mind.

Uncovering the Dark Reality: Boarding School Abuse in Maryland

March 21, 2025November 22, 2023 by Marla Bold

Boarding schools are often associated with academic excellence and a promising future for students. However, behind the ivy-covered walls and prestigious reputations, a dark reality sometimes lurks – the issue of abuse. In Maryland, just like in other parts of the world, there have been instances of abuse within boarding school environments that have left lasting scars on the victims. In this blog post, we will shed light on the disturbing issue of boarding school abuse in Maryland, the impact it has on survivors, and the steps being taken to address this grave concern.

We interviewed local attorney Aaron Blank from Abuse Guardians, who commented, “Legal remedies are a crucial aspect of addressing this problem. Lawsuits can help survivors seek justice and compensation for the harm they’ve endured, while also bringing attention to the extent of the issue. Legislative changes that make it easier for survivors to come forward and seek justice are a positive step forward.”

The Hidden Epidemic

Boarding school abuse in Maryland is a hidden epidemic that has plagued the lives of many students who entrusted their education and well-being to these institutions. This abuse can take various forms, including physical, emotional, sexual, and even psychological. Survivors often suffer in silence, struggling with feelings of shame, guilt, and fear, making it difficult to come forward and seek help.

Abuse in boarding schools can be perpetuated by staff members, fellow students, or a combination of both. Some survivors may be groomed or manipulated into silence, while others may be coerced or threatened. This culture of silence and secrecy has allowed abuse to persist, leaving victims feeling isolated and powerless.

The Impact on Survivors

The effects of boarding school abuse can be profound and long-lasting. Survivors often experience a range of physical and psychological consequences, including:

Trauma: Many survivors of boarding school abuse suffer from post-traumatic stress disorder (PTSD), which can lead to flashbacks, nightmares, and severe anxiety.

Depression and Anxiety: The emotional scars from abuse can result in chronic depression and anxiety disorders, making it difficult for survivors to lead healthy and fulfilling lives.

Trust Issues: Survivors may struggle to trust others, leading to difficulties in forming meaningful relationships and making it hard to seek support.

Academic and Career Impact: The trauma experienced in boarding schools can negatively affect survivors’ academic performance and career prospects, hindering their potential.

Self-esteem and Self-worth: Abuse can erode a survivor’s self-esteem and self-worth, leading to feelings of inadequacy and self-blame.

Addressing the Issue

In recent years, there has been a growing awareness of the issue of boarding school abuse in Maryland. Survivors, advocates, and concerned citizens are pushing for accountability and justice. Some key steps are being taken to address this grave concern:

Legal Action: Survivors are increasingly pursuing legal action against perpetrators and the institutions that enabled abuse. Lawsuits are shedding light on the extent of the problem and holding those responsible accountable.

Support Services: Organizations and support groups are providing much-needed resources and counseling to survivors, helping them cope with the trauma and move towards healing.

Legislative Changes: Advocacy efforts have led to changes in legislation, making it easier for survivors to seek justice and hold institutions accountable for their negligence.

Awareness and Education: Increasing public awareness about the issue is crucial in preventing further abuse. Schools, parents, and students are being educated about the signs of abuse and how to report it.

Conclusion

Boarding school abuse in Maryland is a deeply troubling issue that cannot be ignored any longer. Survivors of this abuse carry the scars with them for a lifetime, impacting their mental, emotional, and physical well-being. It is imperative that society continues to shed light on this dark reality, supports survivors in their journey towards healing, and holds perpetrators and institutions accountable for their actions.

As awareness grows and legal action takes place, we can hope for a future Where boarding schools in Maryland and beyond become safe and nurturing environments for all students. It is our collective responsibility to ensure that no student’s education comes at the cost of their well-being and safety. By addressing this issue head-on, we can work towards a brighter and more secure future for all boarding school students in Maryland and across the nation.

Exploring the Effectiveness of Energy Healing: An In-depth Analysis

March 4, 2025September 6, 2023 by Marla Bold

Energy healing, a practice rooted in ancient traditions, has gained significant attention in recent times as an alternative approach to promote holistic well-being. Proponents of energy healing claim that it can facilitate physical, emotional, and spiritual healing by manipulating the body’s energy flow. However, its effectiveness remains a subject of debate within the scientific and medical communities. This article aims to delve into the current understanding of energy healing’s effectiveness based on existing research and expert opinions.

Understanding Energy Healing

Energy healing encompasses a range of practices, including Reiki, acupuncture, Qigong Energy Healing, and Therapeutic Touch, among others. These modalities are rooted in the concept that the body possesses an invisible life force energy that, when unbalanced, can lead to physical and emotional ailments. Energy healers seek to channel, balance, or manipulate this energy to promote healing.

Scientific Perspective

Critics often question the lack of empirical evidence supporting energy healing. While many individuals report positive outcomes from these practices, the scientific Community demands robust clinical trials and well-controlled studies to establish causation between energy healing and its purported effects.

Several studies have attempted to evaluate energy healing’s efficacy, but the results have been mixed. Some trials have shown positive effects on pain management, anxiety reduction, and improved quality of life. However, methodological limitations, such as small sample sizes and lack of placebo controls, have cast doubts on the validity of these findings.

Placebo Effect and Mind-Body Connection

One explanation for the reported benefits of energy healing is the placebo effect. The act of receiving care and attention from a practitioner may trigger the body’s innate healing mechanisms, leading to perceived improvements. Moreover, the mind-body connection plays a vital role in healing, and energy healing practices may facilitate relaxation, stress reduction, and emotional Support, contributing to overall well-being.

Individual Variability

The effectiveness of energy healing may also be influenced by individual variability. Some people might be more receptive to the subtle energy manipulations, while others may not experience any discernible effects. Factors such as belief systems, openness to alternative therapies, and personal sensitivity could contribute to this variability.

Holistic Approach

Distance energy healing is often viewed as a complementary approach rather than a standalone treatment. Many proponents argue that it can be beneficial when used alongside conventional medical interventions. It’s essential to recognize that energy healing should not replace evidence-based medical care, especially for severe medical conditions.

The effectiveness of energy healing remains a complex and controversial topic. While anecdotal evidence and some studies suggest potential benefits, the lack of robust scientific evidence limits its widespread acceptance within the medical community. It’s crucial for researchers to conduct well-designed trials with larger sample sizes and rigorous controls to gain a clearer understanding of energy healing’s effects. In the meantime, individuals interested in exploring energy healing should approach it with an open mind, understanding its role as a complementary practice rather than a guaranteed cure.