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.
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Why You Need a Las Vegas Personal Injury Lawyer After an AccidentWhy You Need a Las Vegas Personal Injury Lawyer After an Accident
After an accident in Las Vegas, you might think handling your case alone is manageable, but the complexities of personal Injury law can quickly overwhelm you. Without a skilled personal injury lawyer, you risk undervaluing your claim or missing essential deadlines that protect your rights. These professionals know how to establish negligence and negotiate effectively with insurance companies, ensuring you receive the compensation you deserve. But what happens when you underestimate the intricacies of the claims process? Understanding the stakes is important, and there’s more to reflect on than you might realize.

Understanding Personal Injury Law
Understanding personal injury law is vital for anyone involved in an accident, as it empowers you to navigate the complexities of legal claims and seek the compensation you deserve. Personal injury law primarily revolves around the concept of negligence, where one party’s failure to exercise reasonable care results in harm to another.
Knowing how negligence is established can greatly impact your case. You’ll need to demonstrate that the other party owed you a duty of care, breached that duty, and caused your injuries.
You should also familiarize yourself with the types of damages you can claim, which often include medical expenses, lost wages, and emotional distress. This knowledge can help you articulate your needs when discussing your case with insurers or in court.
Additionally, understanding the statute of limitations is essential, as it sets a deadline for filing your claim. Missing this window can forfeit your right to seek compensation.
Benefits of Hiring a Lawyer
Hiring a personal injury lawyer can greatly bolster your chances of securing fair compensation after an accident. When you’re faced with medical bills, lost wages, and emotional distress, having a knowledgeable advocate by your side can make all the difference. A skilled lawyer understands the nuances of personal injury law and knows how to navigate the complexities of your case, ensuring that you don’t miss out on any potential compensation.
Moreover, a lawyer can effectively communicate with insurance companies on your behalf. They’re experienced negotiators who’ll work to maximize your settlement, preventing you from being shortchanged by lowball offers. With their expertise, you gain valuable insight into the true value of your claim.
Additionally, hiring a lawyer allows you to focus on your recovery instead of getting caught up in legal proceedings. They handle the paperwork, gather evidence, and prepare your case for trial if necessary, so you can concentrate on healing.
Ultimately, enlisting a personal injury lawyer not only levels the playing field but also provides you with a sense of security as you pursue the justice and compensation you deserve. Don’t navigate this challenging process alone; let a professional guide you.
The Claims Process Simplified
Steering through the claims process after an accident can feel overwhelming, but breaking it down into manageable steps makes it much simpler and helps you regain control over your situation.
First, gather all documentation related to your accident, including medical records, police reports, and photographs. This information is essential for building a strong case.
Next, assess your damages—consider medical expenses, lost wages, and emotional distress.
Once you have your documentation and damages sorted, it’s time to file your claim. This is where a Las Vegas personal injury lawyer becomes invaluable. They’ll guarantee you meet all deadlines and follow the correct procedures, preventing costly mistakes.
After filing, you may enter negotiations with the insurance company. Here, having an experienced lawyer can greatly improve your chances of receiving a fair settlement. They’ll advocate for your best interests, pushing back against lowball offers.
The Importance of Legal Representation
After an accident, hiring a Las Vegas personal injury lawyer is essential to ensure your rights are protected and that you receive the compensation you deserve. An experienced lawyer can navigate the complexities of your case, negotiate with insurance companies, and provide invaluable support throughout the legal process. For a more detailed discussion on the importance of legal representation after an accident, we invite you to read our detailed article at Personal Injury Lawyer Las Vegas. This resource will help you understand the significant benefits and guide you in making an informed decision.
Medicare 2024 IRMAA Brackets: Amounts and HowMedicare 2024 IRMAA Brackets: Amounts and How
With the announcement of the August CPI-U, the 2024 Brackets are official and they will increase by over 5.00% to start at $103, 000 for an individual.
Now please keep in mind that at any point between now and the beginning of the 2024 Congress or the current Presidential Administration can alter these Medicare IRMAA Brackets, but if they do not then there will be at least a little bit of good news for seniors.
Official IRMAA 2024 Brackets
Single
Couple MAGI
Part B
Part D
< $103, 000
< $206, 000
$174.70
Premium (varies)
$103, 000 to $129, 000
$206, 000 to $258, 000
$244.60
$12.90
$129, 000 to $161, 000
$258, 000 to $322, 000
$349.40
$33.30
$161, 000 to $193, 000
$322, 000 to $386, 000
$454.20
$53.80
$193, 000 to $500, 000
$386, 000 to $750, 000
$559.00
$74.20
> $500, 000
> $750, 000
$594.00
$81.00
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How the IRMAA Brackets adjust:
When Congress created Medicare IRMAA back in 2003 through the passing of the Medicare Moderniztion Act, they ruled that the IRMAA Brackets would adjust by
“The percentage (if any) by which the average of the Consumer Price Index for all urban consumers (United States city average) for the 12-month period ending with August of the preceding calendar year exceeds such average for the 12-month period.”
So, if the CPI-U at the end of August of the current year is greater than the previous August then the IRMAA Brackets will increase. Note the inflation rate does not determine IRMAA costs.
By the way there is no language that would stop the IRMAA Brackets from going down if the CPI-U would actually deflate from year to year.
In terms of the all the Thresholds within the IRMAA Brackets, due to the passing of the Bi-Partisan Budget Act of 2018 the 5th Threshold in the IRMAA Brackets will not adjust for inflation until 2028.
What is IRMAA:
IRMAA is short for Medicare’s Income Related Monthly Adjustment Amount which is according to the Code of Federal Regulations:
“An amount that you will pay for your Medicare Part B and D coverage when your modified adjusted gross income is above the certain thresholds.”
IRMAA is a tax on your income through Medicare Part B and Part D coverage if you have too much income while in retirement.
Will you actually enter IRMAA:
According to the 2022 Medicare Board of Trustees Report, currently, there are over 6.8 million people in IRMAA. These people in IRMAA make up 16.63% of all eligible Medicare beneficiaries.
By 2031, according to recent reports the number of people in IRMAA will double to 13.8 million eligible people in IRMAA.
IRMAA is a revenue generator for both the Medicare and Social Security Programs.
For the Medicare program, IRMAA is an added cost that the person in it must pay. This added cost provides more money each year for the program.
As for Social Security, according to Congress, all IRMAA costs are automatically deducted from any Social Security benefit a person is receiving. Thus, for those who enter IRMAA, Social Security has to pay out less to them which reduces that program’s obligation to pay Benefits.
What does attorney-client privilege mean in the legal space?What does attorney-client privilege mean in the legal space?
What does attorney-client privilege mean in the legal space?
In the legal space, “attorney-client privilege” is a fundamental principle that protects the confidentiality of communications between a lawyer and their client. This privilege ensures that any information shared by the client with their attorney for the purpose of obtaining legal advice is kept confidential and cannot be disclosed to third parties, including courts, without the client’s consent. The Munley Law Glossary provides a clear and detailed explanation of attorney-client privilege, emphasizing its importance in maintaining trust and open communication between attorneys and their clients.
What is Attorney-Client Privilege?
Attorney-client privilege is a legal concept that safeguards the confidentiality of communications between a client and their attorney. The privilege is designed to encourage clients to be open and honest with their attorneys, enabling the attorney to provide the best possible legal representation. Under this privilege, any oral or written communication made in confidence between the client and the attorney is protected from being disclosed in legal proceedings or to outside parties.
Key Elements of Attorney-Client Privilege
For attorney-client privilege to apply, several key elements must be present:
Confidential Communication: The communication must be made in private, with the expectation that it will not be disclosed to others. This applies to both in-person discussions and written communications, such as emails or letters.
legal Advice: The communication must be made for the purpose of seeking or providing legal advice. This means that casual conversations or discussions unrelated to legal matters do not fall under the protection of attorney-client privilege.
Attorney-Client Relationship: The privilege only applies if there is an established attorney-client relationship. This typically begins when a client formally hires an attorney or consults with an attorney in a professional capacity.
Client’s Control: The privilege belongs to the client, meaning only the client can waive it. If the client chooses to disclose the communication to a third party, the privilege may be lost.
Importance of Attorney-Client Privilege
Attorney-client privilege is crucial for several reasons:
Encourages Full Disclosure: Clients are more likely to fully disclose all relevant information to their attorney when they know that their communications are protected. This enables the attorney to provide more accurate and effective legal advice.
Protects Legal Strategy: The privilege allows attorneys to develop legal strategies without the risk of those strategies being exposed to opposing parties or the court.
Supports the Right to Counsel: The privilege is a key component of the right to legal representation, ensuring that clients can seek legal advice without fear of their private communications being used against them.
Exceptions to Attorney-Client Privilege
While attorney-client privilege is a powerful protection, there are certain exceptions where the privilege may not apply:
Crime-Fraud Exception: If the client seeks advice from an attorney in furtherance of a crime or fraud, the communication is not protected by attorney-client privilege. For example, if a client consults a lawyer about how to commit fraud, those communications would not be privileged.
Waiver of Privilege: If the client voluntarily discloses the privileged communication to a third party, the privilege may be waived. Once waived, the information may be subject to disclosure in legal proceedings.
Joint Clients: When two clients share the same attorney in a joint representation, communications with the attorney are not privileged between the two clients. However, the privilege still applies to third parties outside the joint representation.
Legal Ethics and Professional Responsibility: In some cases, an attorney may be required to disclose certain information if it is necessary to prevent a crime, avoid harm to others, or comply with legal ethics rules. However, these situations are rare and highly regulated.
Attorney-Client Privilege vs. Other Privileges
Attorney-client privilege is just one of several types of privileges recognized in the legal system. Other privileges include:
- Doctor-Patient Privilege: Protects the confidentiality of communications between a patient and their healthcare provider.
- Spousal Privilege: Protects communications between married spouses from being disclosed in legal proceedings.
- Clergy-Penitent Privilege: Protects confidential communications between a person and their religious advisor.
Each of these privileges serves a similar purpose: to encourage open communication by protecting the confidentiality of sensitive information.
The Role of Munley Law Glossary
The Munley Law Glossary is an invaluable resource for those seeking to understand legal concepts like attorney-client privilege. By offering clear definitions and explanations, the glossary helps clients, legal professionals, and the general Public navigate the complexities of the legal system and better understand their rights and responsibilities.
Attorney-client privilege is a cornerstone of the legal profession, ensuring that clients can communicate openly with their attorneys without fear of disclosure. This privilege is essential for effective legal representation, protecting both the client’s interests and the integrity of the legal process. Understanding the scope and limitations of attorney-client privilege, as outlined in Resources like the Munley Law Glossary, empowers individuals to engage with their attorneys confidently and make informed decisions about their legal matters.