Tierra Portfolio Services world Enjoy more treats with a checking account that pays you!

Enjoy more treats with a checking account that pays you!

July 28, 2023| Tom Armstrong| 0 Comment| 12:00 am

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AT CANOPY, WE BELIEVE IN GOING ABOVE AND BEYOND FOR OUR MEMBERS.

Having products that also go the extra mile for members is important to us. Now, our KASASA Checking accounts are even BETTER, with members getting paid more than ever for banking Local.

Our Kasasa Rewards Checking account now provides up to $12 cash back each month. Here’s how it works. You earn 4.00% cash back on up to $300 in debit card purchases monthly when your account qualifies. That’s up to $12 cash back each month, which is $144 each year!

All you have to do to qualify is enroll in eStatements and have 12 or more debit card purchases every month. Did we mention you also get up to $20 monthly in refunds on ATM fees nationwide?

Now the question is, what could you do with an extra $12 in your budget every month? Here are a few ideas to get you started!

Pay your streaming subscriptions!

It can be hard to say goodbye to your favorite shows, but budgets can be tight. Finding the best streaming service for you can take some trial and error that takes a toll on your wallet. Take the time to make a decision about one to two streaming Services work best for you. Then use your $12 towards covering the cost of a streaming service. That will help you truly settle back and enjoy the show!

Treat a friend and you to coffee

Getting together over a “cup of joe” can lead to special moments. Intentionally setting aside time and your $12 to catch up with a friend is a great way to make the most out of your money. Exchange your $12 for two $4 coffees, a $2 pastry to share and little extra for tax and a tip!

Put towards gas money

Put your extra $12 toward your gas money is another way to utilize this free cash! While $12 might not make a huge dent, it will take you a few more miles.

Buy local goods!

Take your $12 and see how you can support local businesses with your extra cash. At a farmer’s market, make a game out of seeing how much bang you can get for your buck. With a bunch of carrots, freshly picked apples and a jar of local honey, you will have won big time with your rewards.

Cover your gym membership!

Get your sweat on, for free! Use your $12 to cover monthly gym membership fees. That way just you will be doing the heavy lifting, not your wallet.

Let the music roll on – for free

Put your $12 to work by budgeting it to cover the cost of your favorite digital music service. Free tunes will be music to your ears!

Pay it forward!

There are so many ways to pass along the love! What if you utilized the $12 you earned to make other people’s day? Each month, make a plan to give back with your $12. Maybe that is a couple extra bucks in the tip jar at your local coffee shop, or paying for the person behind you at a restaurant.

$12×12=$144!

Now, what if you saved up that $12 each month and budgeted for one special treat with the $144 that you earned? With that extra cash, you can make special memories or even knock something off of your ever-growing to-do list.

Fancy dinner for two
Washington Parks Discover Pass for $35 and a new pair of hiking boots to hit the trails
Tickets to your favorite sporting event
New outfit for a night out on the town
Deluxe car detail – who knows how long those fries have been underneath the seat?
Plane ticket to get out of town!
Fresh set of housing cleaning supplies – laundry detergent, paper towels, toilet bowl cleaner – oh my!
A day at the spa
New patio furniture
10 bags of your dog’s favorite treats – they are your best friend after all!

To learn more information about this topic, please check out Canopy CU

Navigating the 2023 IRMAA Brackets for MedicareNavigating the 2023 IRMAA Brackets for Medicare

June 20, 2024| Krystal Warren| 0 Comment| 12:00 am

Ever felt like you’re playing a high-stakes game of Monopoly with your Medicare coverage ? Like there’s some invisible hand rolling the dice, deciding whether or not you’ll land on 2023 irmaa brackets? Well, that feeling isn’t far from reality.

You see, those “invisible hands” are actually real – they’re just buried deep in tax returns and income calculations. Figuring out this stuff can be like cracking a code.

I’ve been where you are now; bewildered by these complex numbers and their impact on my Medicare irmaa premiums and costs. But don’t worry—I’m here to help Guide you through this maze of Financial jargon.

Ready for more? Let’s dive deeper into the IRMAA brackets for 2023. We’ll show you how to confidently make your way through them.

What are the IRMAA Premiums and Brackets?

Individual MAGI	Couple MAGI	Part B Premium	Part D Premium
< $97, 000	< $194, 000	$164.90	Premium (varies)
$97, 000 to $123, 000	$194, 000 to $246, 000	$230.80	$12.20
$123, 000 to $153, 000	$246, 000 to $306, 000	$329.70	$31.50
$153, 000 to $183, 000	$306, 000 to $366, 000	$428.60	$50.70
$183, 000 to $500, 000	$366, 000 to $750, 000	$527.50	$70.00
< $500, 000	> $750, 000	$560.50	$76.40

Understanding IRMAA Brackets

If you’re enrolled in Medicare, understanding the Income Related Monthly Adjustment Amounts (IRMAA) is crucial. Don’t worry, we’ll guide you through the 2023 IRMAA brackets and how they may impact your Medicare premiums – the standard Part B monthly premium for 2024 is $174.70. We’ll break down what the 2023 IRMAA brackets are and how they can affect your Medicare coverage.

The standard Part B monthly premium for 2024 is $174.70. Those with higher incomes, though, could be on the hook for more due to the IRMAA surcharge. In fact, Medicare recipients with incomes exceeding certain thresholds will shell out a premium between $244.60 and $594.00 for Part B in 2024.

Essentially, an ‘initial determination’ about your modified adjusted gross income (MAGI) determines whether or not you’ll be hit with this extra charge on top of your regular Medicare plans premium.

An Overview of The IRMAA Bracket System

Much like tax brackets that decide how much income tax you owe based on earnings levels; similarly, there are several different “brackets” when it comes to paying for Parts B and D coverage under Medicare via these additional fees known as ‘IRMAAs’.

In general terms: if your MAGI crosses over into one of these upper-income tiers then congratulations – but brace yourself. You’re now considered part of the club referred to as “higher-income beneficiaries”. And this means increased costs.

Your Modified Adjusted Gross Income / Taxable Income Matters

To figure out where exactly within these brackets someone falls under would require delving deep into their financial details – specifically looking at their modified adjusted gross income (MAGI).

Why does MAGI matter? Because it’s a sum of your adjusted gross income plus any tax-exempt interest, essentially reflecting the true wealth you’ve amassed over time. The higher this figure, the more likely you’ll find yourself in one of those dreaded higher IRMAA brackets.

Examples of Income used to calculate your MAGE:

Strategies for Effective Customer Relationship Management (CRM) in the Digital AgeStrategies for Effective Customer Relationship Management (CRM) in the Digital Age

January 13, 2024| Tuyet| 0 Comment| 12:00 am

Building strong relationships with your customers is crucial for the success of every business. This has been the case for decades now,but it is now of utmost importance that you prioritize building good relationships with your customers. This is because a satisfied customer could mean tens of more customers for your business. In the same light,an unsatisfied customer,could mean a loss of tens of more customers for your business. Businesses go through great length to ensure they maintain a positive relationship with their customers,even outside the business environment. They utilize emails marketing services,and even social media,just to keep in touch.

In this article,we will look at the importance of CRM in the digital era and analyze different strategies for an improved customer relationship for businesses. Drawing insights from Businessman Grant Kelley’s experiences,we will equally look at the role of technology,and personalization in nurturing leads and turning them to long-lasting customers.

Understanding CRM in the digital Age

CRM is not just a software for regulating customers,it is an approach to effectively managing and enhancing your interactions with your customers. With the level of competition in business today,you cannot afford to leave your customers unchecked. Unlike in the past when it was difficult to keep track of all your customers,now you can leverage technology,email marketing and data analytics to gain insights on your customer needs and preferences.

Personalization and Customization

Personalization is the crucial part of CRM. By leveraging your customer data,you can tailor out messages that are important to each one of them. Say for instance,a prospect goes through your website in search of something,using that data,you can send them a follow up email with more recommendations on their search query. This is how relationships are built and strengthened.

Leverage Data for Customer Insights

Data is a valuable Element for effective CRM in this new age. By collecting and analyzing data from different sources,you can identify trends in customers in different sectors as well as their pain points. Using this information,you can tailor your offerings/services for improved customer satisfaction. This will go a long way in boosting your relationship with your customers,because they will see you as someone who genuinely cares about their needs.

Continuous Feedback and Improvement

Continuously asking your customers for feedback and ensuring your implement the useful ones is also an important part of CRM. It is not just about conducting surveys like every other business; it is about implementing the results from it. That is where many businesses are getting it wrong. The implement less than 1% of their survey findings and still go on to conduct new ones,at a point your customers will see it as a waste of their time and will desist from filling.

Conclusion

Customer relationship Management is a broad concept and is very important to every business owner who is looking at scaling their business. You cannot afford to have unhappy customers,that is the beginning of the downfall of any business. In this article are a few insights drawn from the likes of Grant Kelley and other successful businessmen who command a large number of customer base. If you are looking at maximizing your business,then you should implement all that is written in this article.

For more information: Grant Kelley

The Fascinating Realm of Hookah TobaccoThe Fascinating Realm of Hookah Tobacco

June 23, 2023| Tuyet| 0 Comment| 12:00 am

In the following article, we explore the fascinating origins and characteristics of hookah tobacco, an unparalleled and flavorful variant of traditional tobacco that has withstood time and acquired popularity all over the globe, for those interested -. We will explore its unique qualities, various types, and the communal aspects attached to its consumption.

Shisha: A Brief Overview

Hookah tobacco, also known as Ma’assel or Ma’assel in the Middle East, is a special mixture of tobacco, sweetened molasses (sometimes with honey), glycerin, and flavoring. Approximately 15% of the content is in fact tobacco, and the intention when smoked is to vaporize it, not ignite it, using the appropriate equipment and techniques. It is designed solely for smoking using a hookah pipe since the specific blend acts as a carrier for the flavorings and glycerin. The article will moreover discuss the origins of hookah tobacco, its key ingredients, and its cultural impact.

Origins of Hookah Tobacco

Hookah tobacco traces its roots back to the Middle East, where it originated as a modified form of traditional tobacco smoking. Unlike conventional cigarettes or cigars, hookah tobacco is air-cured and flavored with sweet molasses, glycerin, and food-grade extracts that yield a wide variety of flavors. Although hookah tobacco does not induce a high; instead, it contains nicotine, which can help users relax.

A Blend Unlike Any Other: Ingredients and Varieties

The unique properties of hookah tobacco make it distinct from other types of tobacco on the market. The following sections will provide information about the key ingredients and varieties of hookah tobacco.

Virginia Blonde Leaf Tobacco

The most commonly used tobacco in hookah is blond Virginia tobacco, a gentle and light tobacco variant. The leaves are typically sun-cured to produce a sweet taste, complementing the other ingredients in the blend.

Air-cured Dark Leaf Tobacco

For those looking for a more full-bodied experience, air-cured dark leaf tobacco is another option for hookah enthusiasts. The air-curing process helps preserve the natural flavor of the tobacco and adds depth to the overall taste when mixed with the other ingredients in the blend.

Molasses and Glycerin

Molasses, a syrupy byproduct of sugar production, serves as the primary sweetener and binder for hookah tobacco. Glycerin, a colorless and odorless liquid, acts as both a humectant and a carrier for the added flavorings. The combination of molasses and glycerin helps deliver consistent and smooth smoke, while enhancing the aromatic profile of the tobacco.

Flavorings

The use of food-grade flavor extracts allows for hundreds of potential flavors to be produced, catering to the diverse tastes and preferences of hookah smokers worldwide. From fruity notes like apple and mango to rich and exotic flavors such as rose and cardamom, the possibilities are virtually endless when it comes to hookah tobacco flavorings.

Hookah Smoking: A Social and Cultural Experience

Beyond its distinctive composition and flavor, hookah smoking is known for its social aspect, which remains an integral part of its charm. Hookah pipes are often shared and enjoyed at celebratory events, momentous events, or as a leisurely pastime with friends and family.

In many cultures, offering a hookah pipe to a guest signifies respect and good hospitality, echoing the values upheld by Middle Eastern royalty centuries ago. today, hookah lounges and cafes have become popular gathering spots where people enjoy both the act of smoking and the pleasure of social interaction.

In Conclusion…

Shisha is a unique and fascinating blend of history, tradition, and flavors. Its unique formulation of air-cured tobacco, molasses, glycerin, and diverse flavorings sets it apart from other smoking Options. Rooted in the Middle Eastern culture where it first originated, hookah tobacco has attracted the hearts and palates of enthusiasts worldwide, offering a social and immersive experience akin to sharing good food, drink, and stories with friends and family. As you traverse through the world of hookah tobacco, remember to appreciate the rich history, craftsmanship, and camaraderie that make it truly one of a kind.