This applies to individuals with annual incomes of $500,000 or more (or $750,000 or more for married couples filing jointly).For Medicare Part D (Prescription Drug Coverage):The premium varies by plan, but high-income beneficiaries pay their plan's premium plus an additional $81.00 per month at the highest income level.The minimum monthly amount one will pay for Medicare in 2024 is $174.70.

However there are some systems that can operate at 118% heating capacity down to -15°.We sell entire systems along with installation parts and individual components of a system.

So you pay this individual 10k to be able to find a deal for him? 

You're an honest, sincere individual just doing your best to make your way in the world like the rest of us... and then someone jumps on a thread like this and makes the comment you did about the Philippines.

It matches the typical demographics who rent MTRs: individuals or couples for 1 bedrooms, families for 3-4 bedroom homes.

The tax consequences are $400,000 for a single individual and $60,000 for a married couple filing jointly.

While I might not have substantial properties or capital yet, I’m serious about investing in myself and making this journey a success.I’ve noticed that many experienced members on BP are generous with their advice, offering to answer questions and share insights on their experiences.

@Brittany Moreland - If I were the type of individual/entity that had hundreds of millions of dollars available to invest, nothing about what you're suggesting would sound appealing.  

I do not lend to individuals. 

There are definitely pros and cons to each so I figured I would just lay out a few benefits and personal thoughts: Small banks/brokerages:Pros:- Some regional knowledge of the market- Possibility of more creative lending guidelines with bank specific programs- Sometimes they have competitive rates for their areaCons: - weak balance sheet (more strict on some guidelines, no wiggle room, inability to be flexible or grant exceptions because they cannot afford to hold less than perfect loans)- Can't scale with clients to different markets- Usually limits exposure to individual investors (they don't want one investor to be too big of a portion of their balance sheet)- Lack of experience with multiple solutions (tend to have 2 or 3 loan products they sell and are too niche to provide tailored solutions)Large banks/brokerages:Pros:- Large compliance departments that understand individual market guidelines (typically each state has specific lending guidelines that augment the national baseline)- Ability to scale into multiple markets with same lender (licensed in many states)- Impossible for individual investors to "outgrow" a large bank's balance sheet (not concerned with one investor's concentration)- More lending solutions available for different scenarios- Often comparable or better rates given the game is volume basedCons:- Can be more difficult to get fast responses if the bank/brokerage does not have good follow up systems in place (or if the underwriting/processing staff gets overwhelmed)- Bad large banks can feel less like a relationship and more like a cog in a factory (less personal)Overall, I have worked from both and worked with both as a loan officer, branch manager, and as an investor/client myself.