AG Finance Intel

The Federal Reserve Economic Database (FRED) publishes time-series data on the number of credit unions and financial cooperatives in Antigua and Barbuda from 2004 to 2024.

Community First Co-operative Credit Union provides secure savings accounts, affordable loans, and digital banking services to help members across Antigua achieve their financial goals.

Antigua & Barbuda's membership in Caricom and OECS ties it to the Eastern Caribbean Central Bank, which regulates money and credit, maintains monetary stability, manages pooled foreign exchange reserves, and issues the Eastern Caribbean dollar shared by eight OECS members.

Medicare Part B and D premiums above the standard amount apply when modified AGI exceeds thresholds — but the lookback is two years (so 2026 IRMAA uses 2024 income). Roth conversions or retirement-account distributions that bump MAGI in the lookback year can produce surcharges that hit two years later, often unexpectedly.

For self-employed individuals, both vehicles allow significant retirement contributions, but the calculation differs. A Solo 401(k) permits an employee deferral plus an employer contribution — often producing higher total contributions than a SEP at identical profit. The crossover point is around $50K-$70K of self-employment income.

Missing a required minimum distribution from a tax-advantaged account historically triggered a 50% excise tax on the missed amount. SECURE 2.0 reduced this to 25% (or 10% with timely correction). The penalty has not gone away — it has just become survivable with prompt action.