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.
You’ve never seen a glass nail file like this before.
Introducing Bona Fide Beauty’s Czech Glass Ergofile, a total game changer for comfortable, ergonomic filing.
The ergonomic shape follows the nail curve and thus facilitates precise, comfortable and more effective filing. Due to the large gripping area it ensures very comfortable holding, fast manipulation and the maximal efficiency of filing. Say goodbye to hand and wrist strain or fatigue and take part in a new, stress-free comfortable filing experience. What separates Bona Fide Beauty czech glass nail file from the rest is their gentle grit which avoids all this nasty chipping and devastation.
The unique shape and curved filing surfaces, located within the inner groves of the file, allows you to expertly shape and sculpt nails with precision. Shape your nails into any design you want, from rounded end to a square shape.
Start by placing your nail within the inner groove and curve the file across the nail, expertly filing and shaping the nail.
Bona Fide Beauty’s ErgoFile comes in two unique designs: the Drop Ergofile and the Bow Ergofile. The Drop ErgoFile has one curved filing surface located on the inner groove of the teardrop design, the Bow Ergofile has two curved filing surfaces, one on each side. You can achieve healthy, beautiful nails with Bonafide Beauty Czech glass files.
This is a unique nail file, it does take a little time to adjust to this new way of filing, however, it is well worth it. Never have to worry about your nails.
Hear from some Bona Fide Believers:
Love this file! “The drop shaped nail file has a curved filing surface. The drop file files a curved edge on the front of the nail which prevents my nails from cracking. I used to lose my hard grown nails regularly, they break rarely now. I’ve used these files as my only nail files for months. Cleaning them with a little rubbing alcohol makes them like new. The color of them is amazing too!”
– Verified Purchase, July 2020
Uniquely beautiful and brilliant! Love it!
The Bow Ergofile has the curved file indentation on both sides and it craddles the end of the nail shaping it from all sides making it a natural rounded smooth end instead using a typical file and filing in rounded motions to achieve that look! Also having it on both sides makes it easy to swap hands! Also, start at the outer edge of your nail with the outside of the file moving it inward toward the middle of the nail, repeat opposite side! Do not go back and forth fast as you would a regular file. It’s unique curved shape, you want to go slow a precise to avoid chipping.
– Verified Purchase, Sept 2019
We are here if you need help choosing perfect fingernail files for your nails. Reach out to Bona Fide Beauty for additional information.
In John 7, we find a spiritually rich moment during the Feast of Tabernacles, one of Israel’s most sacred annual gatherings.
“On the great day of the feast, Jesus stood and cried out, saying, ‘If anyone thirsts, let him come to Me and drink.’” — John 7:37
This was not just a commonplace event—it was a climactic moment. The last day of Sukkot held deep meaning in the Jewish calendar. Each day, the priests carried out the water-pouring ceremony, drawing water from the Pool of Siloam and pouring it at the altar. This act was both a prayer for blessing and a symbol of the spiritual refreshment.
In the midst of this joyful scene, the Messiah stood up and cried out—a gesture that was both unusual in His ministry and meant to highlight urgency.
He wasn’t merely speaking of physical water, but rather offering a spiritual gift—something eternal.
An Open Invitation to All
“If anyone thirsts, let him come to Me and drink.” – John 7:37
This invitation was life-changing. Yeshua didn’t specify race, status, or background. He spoke to anyone—to the rich, to the curious. His words were directed at those who knew their own inner thirst.
From a SDA perspective, this scene reflects the call of Isaiah 55:1:
“Ho! Everyone who thirsts, come to the waters…”
Just as ancient Israel looked back on God’s provision in the wilderness, Yeshua pointed forward to living water—symbolizing the Holy Spirit, who would be poured out on those who believe.
The water ceremony at Sukkot was a reminder of how God gave water from the rock in the wilderness. Now, Jesus identifies Himself as the true Source, the Rock of Ages, from whom salvation flows.
Prophetic Layers of the Feast
Yeshua’s statement in John 7:38-39 continues:
“He who believes in Me, as the Scripture has said, out of his heart will flow rivers of living water.”
“But this He spoke concerning the Spirit, whom those believing in Him would receive…”
This was more than an invitation—it was a revelation. The Feast of Tabernacles, while commemorating God’s presence in the wilderness, was ultimately pointing to the outpouring of the Holy Spirit.
For Adventists, this aligns with the biblical concepts of the early rain and latter rain. The early rain came at Pentecost. The latter rain, still to come, will fall just before the final harvest—representing the great outpouring of the Spirit in the last days (Joel 2:23; James 5:7-8).
This feast is a symbolic preview of what God wants to do in the lives of His people at the end of time—to fill them with power for the final message and mission.
The Closing Day of the Feast: A Powerful Moment
John 7:37 begins with a notable moment:
“On the last day, that great day of the feast, Jesus stood and cried out, saying, ‘If anyone thirsts, let him come to Me and drink.’”
This was no ordinary day. The last day of Sukkot was a time of great celebration. Each day of the feast, a symbolic water-pouring ceremony took place, where a priest would draw water from the Pool of Siloam and pour it out at the base of the altar in the temple. This was a prayer for physical blessing and a symbol of the Holy Spirit.
In this ritualistic moment, Yeshua stands up and cries out—a rare action in His ministry. This act was intentional, drawing attention to a deeper meaning. He wasn’t just speaking about physical water. He was offering something much greater: spiritual life.
“If Anyone Thirsts…” – Yeshua’s Open Invitation
Yeshua’s words were both life-changing and inclusive:
“If anyone thirsts, let him come to Me and drink.” – John 7:37
This was an invitation to all—rich or poor, Jew or Gentile, educated or uneducated. He didn’t call the righteous or the proud, but those who recognized their thirst—those who longed for truth, peace, forgiveness, and spiritual life.
From a Seventh-day Adventist perspective, this echoes Isaiah’s prophecy:
“Ho! Everyone who thirsts, come to the waters…” – Isaiah 55:1
Just as the water ceremony symbolized God’s provision in the wilderness, Yeshua was now offering living water—the indwelling Holy Spirit, who refreshes and transforms the soul.
Rivers of Living Water: The Promise of the Spirit
Yeshua continues in John 7:38-39:
“He who believes in Me, as the Scripture has said, out of his heart will flow rivers of living water.”
“But this He spoke concerning the Spirit, whom those believing in Him would receive…”
The Feast of Tabernacles had always pointed to God’s presence with His people. In the wilderness, He was there in the pillar of cloud and fire. Now, Yeshua promises the Holy Spirit as the ultimate fulfillment—a personal, living presence inside every believer.
For Adventists, this speaks to the early rain and latter rain imagery. The early rain came at Pentecost. The latter rain—yet to be poured out in full—is what God’s people await before the final harvest (Joel 2:23, James 5:7-8). Sukkot looks forward to that final outpouring before the return of Christ.
The Reaction of the People
After Jesus’ declaration, the people were stirred. Some said:
“This is the Prophet.”
Others said, “This is the Christ.” – John 7:40-41
But others doubted Him because He came from Galilee, not realizing He was born in Bethlehem, the city of David. There was confusion because people were focused on appearances and expectations, not prophetic truth.
This is a common theme in Yeshua’s ministry—and a warning for all generations. If we judge by surface-level tradition, we may miss the Messiah standing right before us.
The Message for Today
For Seventh-day Adventists, the message of Yeshua at the Feast of Tabernacles is a call to:
Recognize our spiritual thirst
Come to Jesus for living water
Receive the Holy Spirit fully
Prepare for the final outpouring in these last days
As we near the Second Coming, we too must gather, rejoice, and look forward to that time when God will again dwell with His people—not in booths, but in eternity.
Walking in Tabernacles Truth
The message of Messiah at the Sacred Assembly of Booths is not just a historical event—it holds rich truth for us in this generation.
As SDA Christians, we understand that the biblical feasts are not simply Jewish customs, but God-ordained seasons pointing to the mission of Christ and His work for humanity.
The Celebration of Tabernacles, in particular, represents the final ingathering—a time when God will reunite with His people before the appearing of Christ.
A Glimpse of Glory
The Feast of Tabernacles also reminds us of a future reality—when the New Jerusalem descends and God will live among His people once again (Revelation 21:3). No longer in tents or temporary booths, but in a perfect world where sin is no more.
This moment will be the consummation of all the feasts, all prophecies, and all hopes of God’s faithful throughout the ages.
Just as ancient Israel looked back on God’s provision in the wilderness, we now look forward to that eternal tabernacle, where God’s presence will be our joy forever.
A Call to Readiness
Yeshua’s invitation still echoes through time:
“If anyone thirsts, let him come to Me and drink.”
He offers the Holy Spirit to all who are willing to come. The only requirement is hunger—a heart that knows it needs Him.
For the end-time remnant, the message is clear:
Do not rely on traditions alone.
Seek the living presence of God through the Holy Spirit.
Prepare for the latter rain, the Spirit’s final work before the return of Christ.
Ready for the Eternal Sukkot
The imagery of the harvest is woven throughout Tabernacles. For those awaiting Christ’s return, it speaks to the final call—the final gospel proclamation going to every nation, tribe, tongue, and people (Revelation 14:6).
Soon, the spiritual harvest will be complete. Those who have responded to the voice of Jesus, who have drunk of His living water, will be gathered into His eternal kingdom.
Let us not miss the moment. Let us respond, rejoice, and get ready.
The Feast of Tabernacles is not just a memory—it is a foretaste of eternity.
May we all be found watching when the true Tabernacle appears in the skies, and God dwells among us forever.
A money counter is a device that steps cash-denominated money in different denominations. Counters can be mechanical or use digital components for storing and counting considerable amounts of money. Money Counter machines generally offer a complete count of the money,or merely count specific batch dimensions at a time for storage and wrapping. A counter which will enable you to track currency values mechanically can help you quickly and accurately count money at home and in your workplace. The best types are the ones which are designed to automatically keep track of the money you’ve spent. Additional features you might want to include a bar code scanner or the capacity to automatically reload or draw money from the account.
Money counters which will enable you to track money are available for sale for about two hundred dollars. You’re going to need a computer with an internet connection so as to prepare your counter and make the changes to your account. A software program or USB memory card is required to load your software onto your machine. The program is typically simple to obtain,but you might need some assistance when installing it onto your PC. When you receive your personal computer and software,you should try setting it up and running your first transaction. It’s important that the transaction is a legitimate one,since this will prevent unauthorized charges.
Whenever you have your new software along with your machine,you might want to set it up and run a test transaction. Before using your machine,be sure that you check it may process and rely all denominations of money. You also should place the counter to operate in a certain manner so that your bank statement is accurate. If you use your machine a lot for making trades on a daily basis,you can also find counters which automatically open your account once the minimum withdrawal is fulfilled. Your device will be prepared to supply you with a quick and precise count of your money with ease.
You may have known of the currency discriminator,which is a device which you can purchase to assist you learn about monies. This is a very useful tool which you may get if you are looking for information on how the value of a single currency will change over a time interval,such as between two weeks or between a year and two decades. The idea of this is you could take advantage of this kind of index so as to find out if the value of a particular money is likely to rise in value,or if it is going to decrease in value over a period of time,depending on what the market conditions are.
You might want to make sure you have a money market account with a respectable bank or financial institution,however. This will allow you to use this kind of index without worrying about the chance of losing your money. If you would like to find out more about the money discriminator,you should talk to somebody which you can trust,and not the people that you do business with. This is to make sure you do not lose your money,but instead be sure you are learning as much about how to use these indexes as you can.
As soon as you’ve got a basic understanding of the way the money or coin discriminator functions,you will be able to earn more educated decisions about how to deal with the changes in the value of currencies. This will be especially beneficial if you are interested in investing in 1 type of money,in spite of the fact that you are not interested in theothers. However, you will still want to take the time to find out about the worth of these types of assets before you begin investing in them. As an example,if you invest in a currency which has a strong base,then it’s likely you will discover that the value will continue to grow in value over time. However, if you are interested in investing in a different kind of money,then you might discover it doesn’t have a strong base and thus,you’ll discover that the value of this money will drop over time.