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Things to do in Flagstaff: A High-Altitude Playground in Arizona’s Ponderosa Pines

March 21, 2024March 21, 2024| Lucille WebbLucille Webb| 0 Comments| 12:00 am
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Flagstaff: A High-Altitude Playground in Arizona’s Ponderosa Pines

Nestled among the towering ponderosa pines of Northern Arizona, Flagstaff beckons adventurers to explore its unique blend of mountain landscapes, rich history, and outdoor escapades. Desert Wolf Tours says that this captivating destination promises an unforgettable journey filled with natural wonders, cultural treasures, and opportunities to immerse yourself in the region’s rugged beauty.

Imagine lacing up your hiking boots and embarking on a trek through the San Francisco Peaks, where the scent of pine needles fills the crisp mountain air, and winding trails lead you through a maze of alpine meadows and pristine forests. As you navigate the paths, keep your eyes peeled for the diverse array of wildlife that calls this mountain wonderland home, from the majestic elk to the elusive black bear roaming the higher elevations.

For those seeking an adrenaline-fueled adventure, the Arizona Snowbowl Offers a thrilling playground for winter sports enthusiasts. Carve through fresh powder on the slopes, or embark on an invigorating snowshoeing or cross-country skiing excursion, surrounded by the breathtaking beauty of the snow-capped peaks. Imagine the rush of adrenaline as you conquer the challenging terrain, embracing the raw power of nature.

Flagstaff is a haven for history buffs, offering a wealth of opportunities to immerse yourself in the region’s rich cultural tapestry. Explore the Museum of Northern Arizona, where you’ll discover the storied past of the region’s indigenous peoples and their deep connection to the land. Imagine standing amidst the ancient artifacts and intricate weavings, envisioning the lives of those who came before and their enduring legacy.

For a truly unique cultural experience, visit the Wupatki National Monument, a captivating site that preserves the remnants of ancient pueblos and cliff dwellings. Marvel at the intricate stone masonry and the ingenious architectural designs as you explore these ancient settlements, each one a testament to the resilience and ingenuity of the people who called this place home.

As the day draws to a close, Flagstaff’s starry skies beckon stargazers and astronomy enthusiasts alike. Join a guided stargazing tour or simply find a secluded spot amidst the towering pines, and let the twinkling celestial display take your breath away. Gaze up at the infinite expanse of stars, marveling at the vastness of the universe and the beauty that surrounds you in this mountain paradise.

With its rugged mountain landscapes, rich cultural heritage, and endless opportunities for adventure, Flagstaff offers a truly unforgettable experience. Whether you’re seeking an adrenaline-fueled thrill, a serene escape into nature’s embrace, or a chance to immerse yourself in the region’s storied past, this captivating destination promises to leave an indelible mark on your soul, beckoning you to return time and again to unravel its secrets and discover its unique charms.

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Possible 2025 IRMAAPossible 2025 IRMAA

May 29, 2024May 29, 2024| James FrazierJames Frazier| 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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Why Sedation Dentistry Is WonderfulWhy Sedation Dentistry Is Wonderful

January 20, 2024January 20, 2024| Lucille WebbLucille Webb| 0 Comment| 12:00 am

Sedation dentistry is wonderful because it allows you to have a significant amount of dental work completed,while you rest comfortably through your appointment.

If you feel anxious about going to the dentist,sedation dentistry is a well-tested,effective way to reduce discomfort and pain. It has the added benefit of allowing dentists to complete treatment in less time and with fewer appointments.

Types of Sedation Care

According to an Adult Dental health Survey,almost 50% of people report feeling anxious or have extreme fear of the dentist. With that in mind,Dr. Frahm has created an atmosphere of tranquility in her Zen-inspired office. With aroma therapy,personal music players,plush blankets and neck pillows,we provide a gentle,calming experience to put you at ease as soon as you walk in the door. To further offset anxiety,we often suggest sedation dentistry to patients who experience dental stress and anxiety. Sedation dental care involves the use of medicine to reduce anxiety.

Dr. Frahm is an expert in two types of sedation dentistry. She always discusses your options with you before treatment begins. With each type of sedation care,you remain semi-awake and able to respond,but rest in a deep state of relaxation

Nitrous Oxide

Nitrous oxide or laughing gas is an odorless gas that is used in combination with pure oxygen to induce a feeling of relaxation and well-being during treatment. It is the mildest form of sedation and creates a pleasant feeling of euphoria. Nitrous oxide has been used in dentistry for over 100 years. It is well-tested and effective. The gas wears off within minutes after treatment,allowing patients to return home on your own with no lasting effects.

Oral Conscious Sedation

Oral conscious sedation or OCS is a newer,extremely effective option of sedation dentistry. Dr. Frahm has undergone rigorous training to be certified with the Doctors for Oral Conscious Sedation. Referred to as “twilight” treatment,OCS puts you in a dozing state. You will feel relaxed and rest through treatment. With oral conscious sedation dentistry,about an hour before treatment,you’ll take anti-anxiety medicine to reduce your stress even before coming in. Many patients prefer OCS because it is a deeper form of sedation that prevents anxiety,makes the experience more comfortable and reduces your memory of the procedure.

While your treatment is performed,our care team monitors your blood pressure,oxygen intake and heart rate to make sure you are calm and well taken care of. Because the effects of oral conscious sedation last longer than nitrous oxide,someone will need to bring you to your appointment and drive you home later.

Your dental health and well-being are important to us. You’ll also be hearing from Dr. Frahm once you return home to ensure you are feeling comfortable and well.

If you have a fear of dental work,you are not alone. Dr. Frahm will carefully discuss your particular needs with you to determine which form of sedation care works best for you. As always,our holistic approach to dental care keeps your long-term wellness in mind. Contact Dr. Frahm today at 831-372-8011. Our office is conveniently located at 660 Camino Aguajito #201 in Monterey,CA 93940.

To learn more about Sedation Dentistry,check out more with the link below. 

Dr. Sarah Frahm | Sedation Dentistry

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