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27, Apr 2024
Navigating the OASDI Limit 2023:

Ever wondered why some numbers in finance seem to shift every year? The OASDI limit for 2023 is one such figure that’s crucial yet often misunderstood. For those scratching their heads, OASDI stands for Old-Age, Survivors, and Disability Insurance – essentially Social Security. This year brings a fresh twist you’ll definitely want to get cozy with.

The OASDI limit marks the ceiling of your earnings taxed for Social Security purposes. Understanding this number is more than just ticking a box for the sake of it; it’s about smartly mapping out your financial journey ahead. In the same way you manage your credit cards to optimize credit health, understanding the OASDI limit helps optimize your financial health.

Understanding the Social Security Tax Limit 2023

The limit on Social Security tax isn’t something to shrug off. It’s the maximum amount of your earnings that are subject to the Social Security tax each year.

That limit is $160, 200. A nice chunk of change, right?

What Is the Social Security Tax Limit?

Let’s break it down. If your earnings hit that $160, 200 cap, you’ll pay a maximum of $9, 932.40 in Social Security taxes for the year. Your employer will kick in the same amount, for a total of $19, 864.80 paid into the system on your behalf.

But if you’re self-employed, you’re on the hook for the whole enchilada – 12.4% of your earnings up to that $160, 200 limit. The silver lining? You get to deduct half of that amount on your tax return. Every cloud, my friend. This is akin to how wisely managing your credit can lead to significant savings over time.

Now, let’s say you’re an overachiever and earn more than $160, 200. Congrats. But here’s the thing: you don’t pay Social Security taxes on anything over that amount. It’s like hitting the jackpot, tax-wise.

How the Increase Affects Payroll Taxes

So, how does this compare to last year? In 2022, the Social Security tax limit was $147, 000. That means the limit jumped by $13, 200 for 2023. Not too shabby.

But wait, there’s more. If you’re a high earner, you could pay up to $818 more in Social Security taxes this year compared to 2022. It’s all thanks to that increase in the wage base limit.

So, what does this mean for your paycheck? If you earn $160, 200 or more, you’ll see 6.2% taken out for Social Security taxes until you hit that magic number. Then, poof. No more Social Security tax withholdings for the rest of the year. It’s like a little bonus, right? Much like how responsibly using credit cards for monthly expenses can help manage cash flow effectively.

Changes in Social Security Benefits in 2023

Now, let’s talk about the fun part: Social Security benefits. Benefits are getting a boost.

Thanks to a cost-of-living adjustment (COLA), benefits will increase by 8.7%. That’s the biggest jump since 1981. It’s like giving your monthly check a caffeine boost.

Retirement Earnings Test Thresholds for 2023

But wait, there’s a catch. If you’re under your full retirement age and still working, the retirement earnings test comes into play. This quiz is all about figuring out if earning a bit more cash will mean your benefits take a hit.

The earnings limit is $21, 240 per year or $1, 770 per month for those under full retirement age. If you hit that limit, your benefits will be reduced by $1 for every $2 you earn over the threshold. Ouch.

But once you reach full retirement age, the earnings test disappears like magic. Poof. You can earn as much as you want without any reduction in benefits. It’s like hitting the retirement jackpot. Similar to how managing credit effectively can increase your purchasing power over time.

25, Apr 2024
Taking time to save for what’s important

Members Sean and Amy B. are intentionally saving for what’s important in their life. Keeping track of exactly where their money goes is important to the couple’s budgeting success and their ability to save up for their goals.

Sean and Amy first became interested in Canopy after driving by a billboard. They were in the middle of a frustrating experience with their previous financial institution and were intrigued by Canopy’s advertisement for its Kasasa Checking accounts.

With the Canopy branch on Francis Ave. in the vicinity of their northside home, they decided to check it out. Both of them appreciate the welcoming atmosphere at the branch.

“Every time I come in to the branch, I get a warm, friendly feeling. And, it isn’t just the coffee. The atmosphere just feels warm and welcome, ” Sean said.

At the end of their first month being members, Sean and Amy were pleasantly surprised with the dividends they earned and decided to save those extra funds for one of their goals.

Sean and Amy’s savings strategy? “A dime here and a nickel there, ” Amy said.

Using the envelope savings method, Sean and Amy set aside a chunk of change at the beginning of the month for each of their spending categories. If they end up spending less than the allotted amount, they take the extra cash and put it towards remodeling their home.

Five years ago, they found the perfect home in north Spokane in a “neat neighborhood”. They love that their neighbors are from a mix of generations.

“Mostly everybody knows each other, ” Sean said.

Now that they have their home, they are building up their savings for home improvement projects.

“Our home is over a hundred years old with floors and an unfinished attic that need some love. That means we need to take time to save up, ” Amy said.

When the couple isn’t saving up for their next goals, they keep busy with a variety of passions. Both write fiction and are creating stories for a book series and a podcast.

Sean and Amy’s focus on saving and intentional budgeting allows them to enjoy the things that matter to them.

Canopy Credit Union

24, Apr 2024
How Much Do Dental Implants Cost?

Besides the discomfort and inconvenience of dental procedures, the next thing people think of is, “How much does it cost?” For dental implants, that question can cause hesitation in having the procedure, even when implant dentures are an absolute medical necessity.

To help ease your concerns or to satisfy your curiosity if considering dental implants, read below and learn how much dental implants cost, and why.

The Average Cost of Dental Implants

The cost of dental implants can vary, depending on how many teeth are being implanted, among other factors. For a single-tooth dental implant, the cost is around $5, 000, but that is only for the implant and placement surgery; other contributing aspects can raise the cost significantly.

For full-mouth dental implants, the cost can be between $43, 000 and $56, 000, for the implants and surgery without any other factors included. Dental insurance providers may cover a portion of the cost, helping with out-of-pocket expenses, but some insurance companies may consider it a cosmetic treatment and forgo coverage. 

If considering or need dental implants, the first thing to do is look over your insurance plan or call your insurance provider to discuss implant treatment.

Factors That Impact Dental Implants Cost

As mentioned above, the base costs for dental implants don’t include other factors that increase the price tag. While some may appear as a necessity, others are personal choices that depend on your lifestyle and insurance coverage:

Types of Dental Implants

The two typical and most common types of dental implants are endosteal and subperiosteal, the difference being how they’re attached to the jawbone. Endosteal implants are shaped like a small screw and are inserted into the jawbone, holding one or more replacement teeth. These are typically preferred when a patient has dentures or bridges already. 

The other is the subperiosteal implant, which is placed on or above the jawbone with a metal post placed under the gum and holding the implant in place through it.

Implant Location

Where the dental implants are needed can affect the cost since the location affects how complex the procedure is. For example, implants in the front of the mouth are more visible, requiring more aesthetic considerations than those in the back.

Implant Material

There are two main options for dental implants to consider:

  • Titanium Dental Implants: These implants have a low failure rate due to their biocompatibility, meaning the body won’t recognize the material as a foreign invader. Titanium is also highly resistant to corrosion and has low thermal conductivity, meaning hot or cold foods won’t irritate the implant or area around it.
  • Zirconia Dental Implants: Like titanium, zirconia is biocompatible and metal-free for patients who have metal allergies or an autoimmune disorder. While it isn’t as strong as titanium, they are less susceptible to plaque buildup and blend well with natural tooth color.

Pre-Implant Treatments

Sometimes, additional procedures are necessary before or during the implant placement process to ensure a successful outcome. These procedures, such as bone grafting or gum disease treatment, can add to the overall cost of treatment.

Implant Insurance Coverage

Dental insurance coverage varies widely, and not all plans cover dental implants; as mentioned earlier, some even consider it purely cosmetic and won’t cover it. Those that do may only cover a portion of the cost, leaving the patient responsible for the rest of the costs. Always check with your insurance provider before scheduling dental implant treatment.

Benefits of Dental Implants: Is It Worth the Price?

This largely depends on what you and your dentist think about the total cost vs. dental benefits. When wondering, how much do dental implants cost, compare them to the inconveniences of traditional dentures or the price to your overall oral health not to have them. Some dentists will work with their patients with financing or paying overtime to help ease the burden, but it’s important to have that conversation openly with your dentist.

We at Bellevue aim to help all our patients improve their smiles and work with them to ensure that the price doesn’t bar them from the smile they deserve. If you’re searching for a dentist in Bellevue to help restore your smile with dental implants, look no further than the team at Bellevue Dentist.

Dr. Siamak Najafi is an accomplished dentist who has trained with the world’s leading dental pioneers. These days he teaches dentists from all over the world how to enhance the health and appearance of their patients’ smiles through state-of-the-art dentistry services.

Dr. Don Jayne is a nationally recognized leader in dentistry. He focuses on providing unparalleled expertise in cosmetic, general, implant, and sedation dentistry. He is dedicated to providing you with the most advanced techniques and effective technology available in dental care.

Bellevue Dentist | Dental Implants

12, Apr 2024
What Are Stacked Credentials?

Uses of Stacked Credentials and How They Work

Stacked credentials aren’t a distinct type of credential. Instead, they represent a framework for accumulating knowledge via micro-credentials. These micro-credentials encompass smaller courses within a broader skill set or a tailored portfolio of relevant individual courses. Stacked credentials significantly enhance a learner’s job prospects and skills.

How Are Credentials Stacked

Credentials can be strategically stacked based on their difficulty level, relevance, or combination.

  • Vertical Stacking: This approach involves stacking credentials according to their complexity. For instance, one might progress through Proofreading levels 1, 2, and 3, representing an ascending level of proficiency.
  • Horizontal Stacking: Here, individuals accumulate diverse topics pertinent to their profession. A manager, for instance, might pursue courses covering conflict resolution and budgeting, showcasing a breadth of skills applicable to their role.
  • Hybrid Stacking: This method combines both vertical and horizontal stacking. Consider an accountant who completes payroll processing courses 1 and 2 alongside integrated bookkeeping 1 and 2, amalgamating specialized knowledge across multiple relevant areas.

Advantages of Stacked Credentials for Students

Individuals seeking stacked credentials often include college students aiming to expand their employment opportunities and employees strategically investing for higher pay.

Career Investment

Employees can propel their careers forward, securing promotions and higher salaries by strategically investing in learning skills by accumulating micro-credentials.

Improves Job Prospects

Possessing a diverse skill set, individuals with stacked credentials become versatile candidates, aligning seamlessly with various job descriptions.

Creates Career Flexibility

Stacked credentials allow employees to explore diverse professions, aiding them in navigating career choices and discovering their preferences.

Advantages of Stacked Credentials for Education Providers

Implementing stacked credentials also benefits education providers. The division of courses into smaller, manageable chunks fosters practical learning experiences that draw students in.

Increased Re-enrollment of Students

The availability of smaller, achievable courses leading to stackable micro-credentials has spurred increased re-enrollment. This format enables employees to balance work commitments while pursuing education, and recent college graduates can job hunt while dedicating minimal weekly study hours.

Provide More Accessible Learning

For individuals unable to invest 2-4 years in traditional degree programs, stacking micro-credentials offers an affordable avenue to gain relevant, up-to-date skills and knowledge.

Motivate Students with Faster Rewards

By accumulating digital micro-credentials, students can showcase their achievements on professional profiles and resumes, motivating them to pursue further stacked certifications.

To know how to make certificates of stacked credentials, try our Certificate Maker for free with the link below.

SimpleCert | Stacked Credentials

13, Jul 2023
Personalized Window Treatments by Proctor Drapery and Blinds

The Benefits of Choosing Proctor Drapery and Blinds for Your Window Treatments
As a person who has just recently had to select window treatments for my home,I can vouch for the importance of finding the right firm to deal with. There are numerous alternatives around,so it can be frustrating to choose that to trust with this essential task. After much research study,I discovered Proctor Drapery and Blinds,as well as I couldn’t be happier with my decision. In this short article,I will discuss why I believe Proctor Drapery and Blinds is the most effective selection for any individual in need of -.

Intro to Proctor Drapery and Blinds
Proctor Drapery and Blinds is a family-owned and operated company that has been serving the St. Louis area because 1915. What sets them apart from other window treatment companies is their dedication to tailored service as well as focus to information. They offer a variety of products,consisting of blinds,shades,drapes,as well as shutters,every one of which can be tailor-made to fit your specific requirements. Check out more at - .

Advantages of Choosing Proctor Drapery and Blinds
Personalized Service and also Attention to Detail
One of the greatest advantages of selecting Proctor Drapery and Blinds is their customized service and also attention to detail. From the moment you contact them,you will be treated like family members. They make the effort to pay attention to your requirements as well as choices,and they will work with you to find the best window treatment solution for your home. Their group of specialists has years of experience in the sector,so you can trust that they understand what they’re doing.

Top-Quality Products and Materials
Another advantage of selecting Proctor Drapery and Blinds is their dedication to using high-grade items and materials. They only work with the most effective producers in the industry,so you can be certain that your window treatments will certainly last for years to come. They supply a wide variety of materials,including wood,steel,fabric,and also extra. Whatever your preference,they have a product that will satisfy your requirements.

Customized Window Treatments
At Proctor Drapery and Blinds,they comprehend that every home is various. That’s why they provide tailor-made window treatments. They will determine your windows to make sure an ideal fit,as well as they will certainly deal with you to choose the best style,shade,and product for your residence. Whether you’re seeking something timeless or modern-day,they have a service that will fulfill your needs.

Consumer Testimonials and Reviews
Finally,don’t simply take my word for it. Proctor Drapery and Blinds has a long listing of completely satisfied clients that have actually left radiant reviews. They are honored to have a 5-star ranking on Google as well as an A+ rating with the Better Business Bureau. Their clients go crazy concerning their customized service,high-quality items,and also professional installment services.

Conclusion
Finally,if you’re in need of -,I very advise selecting Proctor Drapery and Blinds. With their personalized service,high-grade items,customized remedies,and expert installation services,you can trust that you’re in excellent hands. Plus,their affordable pricing and also financing choices make it easy to obtain the window treatments you require without damaging the financial institution. Call 314-644-1819 today to begin!

3, Jul 2023
Crib Mattress Dimensions

When selecting a crib mattress,there are a few essential considerations. First and foremost is size; standard crib mattresses must adhere to Consumer Product Safety Commission requirements of no more than 6 inches thick.

https://www.organic-mattress.net/is-there-a-standard-crib-mattress-size

Consider also how often you will need to lift it for changing its fitted sheet – lighter mattresses make this task simpler!

Size

Crib mattresses are specially-made mattresses designed for infants and young children that meet stringent safety standards in order to reduce the risk of Sudden Infant Death Syndrome (SIDS). Firmer than regular mattresses,crib mattresses help keep babies safe from suffocation while being available in different sizes to suit different needs; mini crib mattresses commonly known as bassinets fit perfectly into portable cribs or cradles.

Size is one of the key considerations when purchasing a crib mattress for your baby. Standard crib mattresses must fit securely inside the crib to prevent your child from becoming trapped between it and its rails; dimensions for such mattresses are set forth by the United States Consumer Product Safety Commission but there may still be slight variation from their specifications – therefore,it is vitally important that you measure your crib first prior to making a purchase decision.

Firmness

As babies develop,they require a firm mattress. A soft one may lead to overheating and rebreathing during sleep – both factors linked to SIDS (sudden infant death syndrome). Furthermore,firm mattresses promote spinal and bone growth during sleep time.

If you’re shopping for a firm crib mattress,try to avoid options with padding or foam that could serve as breeding grounds for bacteria that could wreak havoc with your child’s health.

One effective method of testing the firmness of your mattress is by pressing on its center and edges with your hand; if it springs back instantly,that indicates sufficient firmness for your baby.

Along with size and firmness,make sure the mattress fits snuggly to ensure there are no gaps in it. Babies often wriggle during sleep,and any gaps could prevent them from breathing comfortably or prevent their drop-side crib from working correctly; thus it is crucial that there be no gaps. Furthermore,look for fabric or vinyl covers free of phthalates as this will also help ensure safety for both mother and baby.

Edge support

While many individuals neglect the significance of edge support for mattresses,this feature can have a major effect on comfort and usability. By helping ensure that the bed maintains a firm surface right up to its edges and prevent sagging over time.

Before buying a crib mattress,be sure to test its edge support in person before making your selection. When lying near the edge of the mattress,evaluate how its edges respond under your weight; the best crib mattresses provide outstanding edge support which holds up over time.

There are various techniques for increasing edge support of mattresses,including butterfly side supports and steel perimeter frames with thick wires to encase spring units and provide greater stability on either side of the mattress. Other possibilities may include foam box encasements or polystyrene foam pillars as options.

Weight

Mattresses for your infant’s crib or bassinet are among the most essential pieces of equipment needed when welcoming home your new bundle of joy. A firm mattress that fits snuggly will help reduce risks like suffocation and SIDS.

Consumer Product Safety Commission regulates crib mattresses to ensure they comply with specific safety standards,such as being at least 27 1/4 inches wide and 51 1/4 inches long and leaving no more than two fingers between it and its attachment points on crib rails.

There may be some leeway in these measurements,so you will want to ensure your mattress fits within them. In addition,seek out mattresses certified Oeko-Tex or Global Organic Textile Standard (GOTS),as these standards guarantee that materials used in it have been thoroughly screened for harmful chemicals or substances.