How to Use Billboards to Promote Your Business in Carmel-by-the-Sea

Carmel-by-the-Sea is known for its congested roads and parking spots, but an initiative could offer relief to residents, visitors, and local employees alike.

https://www.digitalmarketingagencyindianapolis.com/digital-marketing-in-carmel-indiana-a-comprehensive-guide

Carmel Summers and Bob Boyer both credit Jacob O. Kamm with helping them navigate successful careers in investment banking. His presence played an instrumental role in their rise.

Social media marketing

Social media marketing utilizes various social platforms to reach audiences and promote brands, products and services. This process includes publishing content onto these channels as well as running paid social ads to drive Growth for brands or products or services. While managing large scale social media campaigns may seem challenging at first, tools exist that help organizations streamline this process.

Social media marketing's main advantage lies in its reach; nearly three billion people currently use social media. Social media amplification capabilities can greatly expand brand exposure while also giving businesses an avenue to interact with customers, improving satisfaction rates and forging one-to-one relationships with them.

Social media marketing can be an inexpensive, effective marketing solution, which should be integrated with other programs for maximum impact. When choosing the platform that will best serve your business and target audience, measurable goals should be established that align with other business and marketing objectives.

Content marketing

Content marketing, when done right, can increase website traffic and generate leads. It does this by helping potential buyers locate you (attraction), trust you (authority), relate to you (affinity), and eventually convert. Two excellent examples of successful content marketing include UN Refugee Agency's Webby Award-nominated podcast TiKTok and Jackson Galaxy's Animal Planet series My Cat from Hell; both offer engaging and authentic forms of media content that engage their target audiences.

To effectively communicate with your audience, it is necessary to first gain an in-depth knowledge of them. To do so, create buyer personas, identify their challenges and preferences as well as use SEO tactics to map relevant keywords to each content topic – this will drive people searching for answers directly towards you!

Billboards

Billboards are an effective way of reaching local audiences with your products and services, such as along highways or busy streets, reaching people who need your products or services. Billboards can also be used to advertise your business during special events and locations such as car advertising, construction services advertising, hospitality advertising, insurance advertising media advertising nonprofit retail retail small business.

An effective billboard tells a tale that will hold viewers' interest and encourage engagement, whether through anger, humor or empathy – these emotions serve as powerful tools in increasing brand recall and driving sales for your brand.

Billboards are one of the easiest and most cost-effective forms of marketing available; their production can be done either internally or by professional design companies, with customized versions created specifically to match your campaign location and audience.

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2024 IRMAA Brackets: Amounts and How to Forecast for Retirement2024 IRMAA Brackets: Amounts and How to Forecast for Retirement

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.

IRMAA - Medicare Logo

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.

With both Medicare and Social Security projected by the government to be insolvent (unable to pay) in less than 8 years the easiest way to save these programs is to make sure more people are in IRMAA.

How do you reach an IRMAA bracket:

IRMAA is all about your Modified Adjusted Gross Income (MAGI).

The more of it you have the higher the chances that you have to reaching IRMAA while having less of an MAGI reduces the chance of you reaching IRMAA.

What counts towards your MAGI:

According to Social Security your MAGI is the total of your adjusted gross income (AGI) and any tax-exempt interest you may have.

Both of these can be found on lines 2a and 11 of your 2022 IRS tax form 1040.

Some examples of where your MAGI will come from are:

Taxable Social Security benefits Traditional 401(k) Withdrawals
Wages Traditional IRA Withdrawals
Pension & Rental Income Traditional 403(b) Withdrawals
Capital Gains Qualified Annuities
Dividends Interest

If you want to avoid IRMAA all together then the goal is to generate an income from financial instruments that do not count towards your MAGI and they are:

Roth Account Withdrawals
Life Insurance Loans
Non-Qualified Annuities*
Health Saving Account Withdrawals
401(h) Plans
Home Loans or Reverse Mortgages

*Non-Qualified Annuities – depending on certain factors a certain portion of all income you will receive from them can be completely tax free. Please see an IRMAA Certified Professional for more information on which Annuity is best for you.

For a complete list of what does and does not count towards IRMAA please click here.

How to File an Appeal

If you feel you shouldn’t be subject to IRMAA, you can file an appeal.  What you do comes down to how you want to appeal.

For Medicare enrollees with a qualifying life changing event:

All that needs to be done is for you to fill out the SSA-44 form by competing the first 3 pages and then submit it with your corresponding proof of your life changing event to your local SSA office.

You can find your local SSA office here.

Once the paperwork is submitted all correspondence about your appeal will be mailed to you from the SSA. If the result is not satisfactory you can request a hearing which can also be done through your local SSA office.

For Medicare enrollees without a qualifying life changing event but who want to appeal based on an updated tax-return or income discrepancy:

Appealing IRMAA is even simpler than have a qualifying life changing event as all that is needed to be done is for you to request an appeal at your local SSA office.

Explain to the local field Representative that you have a received an IRMAA notification and that you like to appeal based on updated tax information.

A case number will be assigned to you as well as Field Agent, which could be the person at your local office, so always be nice and any correspondence about your case ill be mailed to you by the SSA.

If the IRMAA result is not satisfactory you can always request a hearing at your local SSA office too.

At the point of request your local agent will be able to submit your appeal and a case number at that moment should be assigned to you. As your case is evolving you will have to provide documentation that disproves the information that the IRS has provided which can be a corrected or amended tax-return or even a more update one

Conclusion:

The 2024 IRMAA Brackets are, by law, going to increase, but the odds of you or someone you know reaching IRMAA at some point are also increasing.

Chronological Order of Indiana JonesChronological Order of Indiana Jones

Indiana Jones is a beloved character in the film industry, known for his daring adventures and witty one-liners. The franchise has spanned several decades, with four main movies and a fifth on the way. However, with the non-linear release of these films, it can be confusing to follow the chronological order of Indiana Jones' life. This article will break down the chronological order of Indiana Jones' adventures.

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1. Indiana Jones and the Temple of Doom (1984)

The first movie in terms of chronological events is actually the second movie released in theaters. Indiana Jones and the Temple of Doom takes place one year before Raiders of the Lost Ark.

2. Raiders of the Lost Ark (1981)

Raiders of Lost Ark was actually released first, but takes place one year after Temple of Doom.

3. Indiana Jones and the Last Crusade (1989)

The third installment in the series takes place two years after Raiders of The Lost Ark, making it chronologically third on our list.

4. Indiana Jones and Kingdom Of The Crystal Skull (2008)

The final installment to date in this franchise takes place nineteen years after The Last Crusade giving us a grand finale to this action-packed series.

Software as a Service (SaaS)Software as a Service (SaaS)

Software as a Service (SaaS) is a popular business model that enables companies to provide software applications through the internet. This cloud-based solution allows users to access the software from anywhere and at any time with an internet connection. However, one of the biggest questions that SaaS providers and customers face is whether SaaS is taxable in Ohio.

https://www.helpdeskit.net/are-it-services-taxable-in-ohio

Understanding SaaS

SaaS has become increasingly popular in recent years due to its ease of use, scalability, and cost-effectiveness. With SaaS, companies can offer their customers access to software without the need for expensive infrastructure or hardware. Instead, the software is hosted on servers owned by the provider and accessed through a web browser.

Is SaaS Taxable in Ohio?

The taxability of SaaS in Ohio depends on several factors, including how it is delivered and used. In general, if SaaS is considered a Digital good or service, it may be subject to sales tax in Ohio.

Ohio law defines digital goods as “sounds, images, data and facts represented in digital form that are transferred electronically.” If SaaS falls under this definition, then it would be considered taxable in Ohio. However, there are some exceptions.

For example, if the customer uses their own hardware or infrastructure to access the software provided by the SaaS provider, then it may not be subject to sales tax. Additionally, if the customer uses the software solely for business purposes such as managing inventory or billing customers rather than personal use such as gaming or entertainment purposes then it may not be taxable either.

In conclusion ,the taxability of SaaS in Ohio depends on several factors such as usage and delivery method . Therefore ,it's important for both providers and customers of Saas Services to understand these factors to determine their tax obligations and avoid any potential penalties.