Beneficiar Constructii adult,shopping Customize Features: The Garage

Customize Features: The Garage



If you ask most homeowners, you’ll find that many of them do not park their cars in their garage for one reason: it’ss filled with so many other items that there simply isn’t enough room. 

Wouldn’t it be great to have a third bay in your garage? You’d have more room to store your seasonal items, room for a third car, a motorcycle, or a small boat, and more room in your main garage area. You might even end up with enough room to park your car in there!

Here at HiLine Homes, we continually strive to find ways to make quality features available to our homeowners beyond our customizable house plans. There are many unique and fully customizable options for addons, garages, and more available to ensure that your new addition fully encapsulates your vision! We believe that taking the time to design your garage for your specific needs will no doubt benefit you in the long run. One of our most popular floorplans is Plan 3292 which has a spacious 3-car garage. But customizability isn’t just limited to horizontal space.

Do you have a vehicle that will require an 8-foot tall door? Do you need a wheelchair accessible garage with ramps? Would you like the convenience of a garage door opener or perhaps need extra room for a shop? Maybe additional space in a detached garage for a separate space to entertain or work on projects? All of these options and more are available to you as you plan your new home.

Contact your local HiLine Homes office and talk with a Home Consultant about the features you’d like to incorporate in your new home by clicking the link below!  We’ll be happy to help.

Build a Custom Garage

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Possible 2025 IRMAAPossible 2025 IRMAA

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.

Picking A Great Air Conditioning SystemPicking A Great Air Conditioning System

Many people have trouble acquiring an a/c. Lot of times we have a habit of simply concentrating on the brand names of the a/c. And choose which one is better, however there are more things that you should look at besides the name.

You should focus more on the size and setup of your air conditioning unit, rather then a luxury a/c unit. If it is not installed correctly you can deal with more problems later on due to the fact that a huge element is the installation.

One great reason to have effectively sized air conditioning system is humidity control. The outcome of this is that the wetness condensing on the evaporator minimizes the moisture in the air. This procedure can not occur with an extra-large air conditioning, the run cycle on them are too short for this to happen.

If your a/c turns on and off for 4 or 5 times in an hour rather of the normal 2 or3, the compressor will wear quicker. There are lots of other elements to look out for when going shopping around for an air conditioning system so be sure to do some research and not be afraid to ask questions.

At least you understand it’s not all in the name. Be sure to pay the extra money and get the air conditioning system installed appropriately, because that is the main point. Sure there are other aspects, however not everyone has the budget plan for the air conditioner with better functions. So getting it set up effectively will save you quite a bit of money down the roadway.

Go here for additional articles on the topic:

 

In Conclusion

Numerous times we have a habit of just focusing on the brand names of the air conditioner. There are numerous other elements to look out for when going shopping around for an air conditioning unit so be sure to do some research and not be afraid to ask questions or express concerns.

Be sure to pay the additional cash and get the air conditioner set up properly, since that is the primary thing. Sure there are other elements, but not everyone has the budget for the air conditioner with much better features.