Beneficiar Constructii health Desert Wolf Tours list of things to do in Cave Creek, Arizona

Desert Wolf Tours list of things to do in Cave Creek, Arizona

December 15, 2023December 15, 2023| Hayley SchmidtHayley Schmidt| 0 Comments| 12:00 am
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Desert Wolf Tours – Things to Do in Cave Creek Arizona

A hidden gem just a short drive from Phoenix, Cave Creek is a town that blends natural beauty and Western heritage with a vibrant culture. It is also home to a wide range of activities, from hiking trails to golfing at Rancho Manana and Dove Valley Ranch Golf Club. For those seeking a unique adventure, Desert Wolf Tours offers an exciting experience, providing guided tours that showcase the stunning desert landscape and the rich history of the region. Whether exploring the rugged terrain or learning about the local flora and fauna, Desert Wolf Tours adds an adventurous twist to Cave Creek’s diverse offerings.

Most people are not eager to visit the desert, imagining vast spaces filled with sand dunes, spiky plants, and scorching heat. Carefree Desert Gardens drives away these misconceptions by proving that deserts can be beautiful.

MacDonald’s Ranch

You may not find cowboys, dusty trails and saloons in Phoenix, but this eclectic town north of the city offers a quirky frontier feel. Take a stroll along downtown Cave Creek and you’ll see many galleries featuring paintings, sculptures, photography and more. One to visit is Sergio Ladron de Guevara Gallery, which showcases paintings that capture the town’s unique landscape and character.

You can also enjoy a lively dinner and entertainment experience at Harold’s Cave Creek Corral, which boasts an Old West vibe. It serves mouth-watering American and southwestern cuisine including barbecue, steak, and Tex-Mex dishes. The ambiance and live music add to the enjoyment, making it a popular choice for locals and visitors alike.

Carefree Desert Gardens

Carefree Desert Gardens is a wonderful place to admire beautiful plants and unique cactuses. This public botanical garden is located in downtown Carefree at 101 Easy Street. It is a must-see for anyone who visits this beautiful town. The garden features a variety of native flora and art pieces. It also hosts many events throughout the year.

The Garden offers many other Things to do, including a children’s play area, an amphitheater and a small water feature. You can see a rare Boojum Tree here, as well as a variety of other interesting plants and sculptures. The garden is open to the public from 9am-5pm every day.

There are many things to do in Cave Creek, but one of the best is to enjoy a desert off-road adventure with Desert Wolf Tours. This thrilling experience is unlike any other in Arizona. This company offers military-grade TomCar UTVs that are fast, maneuverable and drive like no other off-road Vehicle.

Spur Cross Ranch Conservation Area

Cave Creek is a quaint town with a charming blend of natural beauty,western heritage, and vibrant culture. It offers hiking trails that provide a scenic retreat from city life and a chance to explore the unique Sonoran Desert landscape. The Spur Cross Ranch Conservation Area is one of the most popular destinations in the town. It features the Dragonfly Trail, which offers a variety of habitats that are ideal for birding. The area is also home to ancient petroglyphs and lush riparian areas along Cave Creek that flow with crystal waters during the winter months. The park also offers camping, picnicking, and horseback riding.

Cave Creek Regional Park

The Cave Creek Regional Park is an outdoor recreation area that offers a variety of activities. Its hiking trails provide an opportunity to experience the beauty of the Sonoran Desert landscape and its diversity of plant and animal species.

The park also offers a wide range of outdoor recreational activities for people of all ages. Some of the most popular are horseback riding tours and stagecoach rides, which give visitors a Wild West-style visit. The park also has a zoo and other attractions.

A trip to Cave Creek is not complete without a visit to Buffalo Chip Saloon and Steakhouse. This dine-in restaurant is popular among tourists and locals alike. It has a lively atmosphere and offers line dancing, bull riding, and other Western entertainment. The restaurant serves exotic flavors and is perfect for people who are looking to enjoy their food in a fun environment. The restaurant also has a great selection of drinks.

 

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Possible 2025 IRMAAPossible 2025 IRMAA

May 21, 2024May 21, 2024| Luise PhillipsLuise Phillips| 0 Comment| 12:00 am

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.

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What are Digital Credentials?What are Digital Credentials?

June 14, 2024June 14, 2024| Leon CarnahanLeon Carnahan| 0 Comment| 12:00 am

Digital credentials represent the advancement from traditional paper-based certificates. Without needing to have it mailed, it acknowledges academic achievements, event participation, or training completion. As education increasingly shifts to online platforms, the recognition of verifiable credentials must adapt accordingly.

Online educators – CE providers, personal coaches, mentors, and more- sought to make online learning a more valuable experience with these rewards.

Digital credentials serve as the solution. It enables online educators to efficiently create, distribute, and record credentials while ensuring students automatically receive them, streamlining the learning process.

Digital Certificates: Online Credentials on a Certificate

Paper certificates signify proof that learners have acquired the skills they have studied for. Digital certificates are proof that can be sent online without fuss. These online credentials can be duplicated if their printed versions are lost or damaged. Furthermore, they can be easily accessed through a digital storage device for hard-copy purposes and reference.

How Digital Certificates Help Online Educators

  • Saves Time and Money by Freeing the Menial Tasks of Paper Certificate Management
  • Add Value and Credibility to Your Online Educational Programs and Encourage Increased Enrollment
  • Secure Digital Storage to Avoid Physical Loss and Damage

How Digital Certificates Help Their Students

  • Portable and Accessible from Storage Devices and Safe Online Servers
  • Shareable in Professional Social Media Profiles for Self-Promotion of Expertise and Competency
  • Increase Chances of Getting Hired by Having Certified Skills

Everyone benefits from the advantages digital certificates bring. So, how can educators incorporate it into their digital platforms? Simple, you don’t even need to know how to code.

SimpleCert®: Your Digital Certificate Management

Online educators sometimes use various independent tools to create their students’ learning experiences. SimpleCert® puts all the certificate tools you need on one platform. See our platform features below.

SimpleCert®’s certificate maker lets you create your digital certificate faithful to your brand with its intuitive drag-and-drop system and free Professional templates.

Say goodbye to manual mail merge. SimpleCert® personalizes certificates and emails in thousands when you directly upload recipient data via Excel or CSV file.

All certificates are stored in a secure cloud server. By subscribing to a monthly SimpleCert® plan, every recipient gains entry to their personalized recipient portal.

Automate Digital Certificates on Your Platform

When educators create webinars, modules, and video lessons, they can make a more professional experience for their learners by having them automatically receive their digital credentials once they have finished them. This is possible by integrating their SimpleCert® account with their website or trusted platforms.

“We use SimpleCert® to automatically send training certifications to our customers. It is easy to use and our customers receive their certifications rapidly. This Certificate Management System increases our productivity and our customers’ satisfaction!”

Véronique Trépanier-Boulay

Executive Director, FORMobile

Ensure Your Student’s Professional Experience with Your Platform and Marketing

Many educators rely on multiple tools to enhance their students’ learning journey. Yet, some tools tend to advertise on the educators’ platforms and email marketing, disrupting the professional experience for students.

Here at SimpleCert®, it’s all about you as their educator.

We prioritize streamlining your certification system without any intrusive self-promotion. Our aim is to optimize your certification process for both you and your students.

Design Your Digital Credentials Today!

Tailor and share professional digital certificates effortlessly. Sign up for a complimentary SimpleCert® account – no credit card needed! With your free account, generate and distribute up to 10 certificates monthly. Elevate your online educational programs by leveraging SimpleCert® to oversee your certification workflow.

SimpleCert

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