https://pujavs-firm-stud.gluu.infoConnected.Informed.Engaged.en-usThu, 04 Jun 2026 09:38:58 +0000https://pujavs-firm-stud.gluu.info/how-do-i-use-my-ira-to-fund-my-business.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-use-my-ira-to-fund-my-business.htmlYou can use money from an existing IRA to purchase a business by having your self-directed IRA trustee initiate a trustee-to-trustee transfer of these funds to your self-directed account. You will pay no taxes or penalties with trustee-to-trustee transfers. Can you contribute to an IRA with cash? Th...Thu, 04 Jun 2026 09:34:44 +0000https://pujavs-firm-stud.gluu.info/can-a-sister-in-law-contest-a-will.htmlhttps://pujavs-firm-stud.gluu.info/can-a-sister-in-law-contest-a-will.htmlEach state and territory has different categories of people who may contest a will. Usually, a brother or sister of the deceased is not considered an eligible person. The only people who can contest a will are the deceased’s spouse or former spouse, children, grandchildren, registered caring partner...Thu, 04 Jun 2026 09:34:40 +0000https://pujavs-firm-stud.gluu.info/what-is-form-number-8879.htmlhttps://pujavs-firm-stud.gluu.info/what-is-form-number-8879.htmlForm 8879 is the declaration document and signature authorization for an e-filed return filed by an electronic return originator (ERO). Complete this form when: The Practitioner PIN method is used. What is an IRS control number? A name control is a sequence of characters derived from a taxpayer’s na...Thu, 04 Jun 2026 09:29:54 +0000https://pujavs-firm-stud.gluu.info/can-a-corporate-net-operating-loss-be-carried-back.htmlhttps://pujavs-firm-stud.gluu.info/can-a-corporate-net-operating-loss-be-carried-back.htmlNet Operating Loss (NOL) For corporations, an NOL is the excess of the deductions allowed over gross income, computed with the following adjustments. The NOL deduction for an NOL carryback or carryover from another year is not allowed. What are the treatment options for a net operating loss occurrin...Thu, 04 Jun 2026 09:26:41 +0000https://pujavs-firm-stud.gluu.info/can-you-claim-a-dependent-who-works-full-time.htmlhttps://pujavs-firm-stud.gluu.info/can-you-claim-a-dependent-who-works-full-time.htmlIf your child is a full-time college student, you can claim them as a dependent until they are 24. If they are working while in school, you must still provide more than half of their financial support to claim them. Can a dependent be claimed if they work? Generally, you can’t include your dependent...Thu, 04 Jun 2026 09:23:05 +0000https://pujavs-firm-stud.gluu.info/does-my-ex-still-have-to-pay-mortgage.htmlhttps://pujavs-firm-stud.gluu.info/does-my-ex-still-have-to-pay-mortgage.htmlDoes My Ex-Partner Still Have to Pay the Mortgage? You’re equally liable for the mortgage, even if the loan is based on one party’s income or one of you moves out. Your lender can pursue both of you either jointly or individually for the payment – plus any costs, legal fees or loss made upon any pos...Thu, 04 Jun 2026 09:21:45 +0000https://pujavs-firm-stud.gluu.info/what-is-ownership-interest-condominium.htmlhttps://pujavs-firm-stud.gluu.info/what-is-ownership-interest-condominium.htmlCondominium: The seller owns the interior of a unit but shares an ownership interest in the land and common areas with other owners in the building. Fee Simple: This is a fancy way of saying the seller owns the entire home and the land beneath it. Most homes are “fee simple” ownerships. What interes...Thu, 04 Jun 2026 09:21:04 +0000https://pujavs-firm-stud.gluu.info/what-age-do-kids-get-embarrassed-by-parents.htmlhttps://pujavs-firm-stud.gluu.info/what-age-do-kids-get-embarrassed-by-parents.htmlYep, it’s actually that easy. Although embarrassment doesn’t peak until the tween years, those self-conscious emotions occur at ages 5 and 6 too, says Eleonora Villegas-Reimers, Ph. How can a independent single mom be strong? Positive strategies Show your love. Remember to praise your child. Create...Thu, 04 Jun 2026 09:20:11 +0000https://pujavs-firm-stud.gluu.info/can-i-ask-questions-to-google.htmlhttps://pujavs-firm-stud.gluu.info/can-i-ask-questions-to-google.htmlAsk the Google app in three easy steps. Ask the Google app in three easy steps. Take the appTap the app. Say Hello Background Say “Ok Google” Ask the Google app. Talk to Google to get answers, Ask the Google app in three easy steps. Take the appTap the app. Ask the Google app. Talk to Google to g...Thu, 04 Jun 2026 09:13:19 +0000https://pujavs-firm-stud.gluu.info/how-do-event-venues-make-money.htmlhttps://pujavs-firm-stud.gluu.info/how-do-event-venues-make-money.htmlBanquet halls charge a rental fee for the space, which is the main way to make money. Some of the rental money, of course, helps offset costs associated with working an event. Costs include wages for the staff, from servers to bartenders, and use of any equipment, such as chairs, tables and audiovis...Thu, 04 Jun 2026 09:13:11 +0000https://pujavs-firm-stud.gluu.info/can-closing-costs-be-included-in-commercial-loan.htmlhttps://pujavs-firm-stud.gluu.info/can-closing-costs-be-included-in-commercial-loan.htmlClosing Fees The other expenses involved in the financing of a commercial transaction are closing costs. These are due at the time of funding of the loan and can be included in the financing. How are closing costs calculated on commercial property? All title costs are typically 1% of the sales price...Thu, 04 Jun 2026 09:00:14 +0000https://pujavs-firm-stud.gluu.info/does-income-tax-include-state-and-federal.htmlhttps://pujavs-firm-stud.gluu.info/does-income-tax-include-state-and-federal.htmlThe federal government and the majority of states have income taxes, but their rules and rates can vary widely. Federal taxes are progressive, with higher rates of tax on higher levels of income. Some states have a progressive tax system, while others impose a flat tax rate on all income. What state...Thu, 04 Jun 2026 08:54:53 +0000https://pujavs-firm-stud.gluu.info/what-happens-to-vehicle-when-owner-dies.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-to-vehicle-when-owner-dies.htmlAs the car falls within property of the deceased, it forms part of the deceased’s estate (all assets/property owned by the deceased). If the deceased has written a will, the deceased might have bequeathed the car to a beneficiary (person who is to receive the inheritance) in the will. Is a car inclu...Thu, 04 Jun 2026 08:44:49 +0000https://pujavs-firm-stud.gluu.info/how-long-does-social-security-payments-last.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-social-security-payments-last.htmlSocial Security retirement benefits start as early as age 62, but the benefits are permanently reduced unless you wait until your full retirement age. Payments are for life. Social Security spousal benefits pay about half of what your spouse gets if that’s more than you would get on your own. Paymen...Thu, 04 Jun 2026 08:41:55 +0000https://pujavs-firm-stud.gluu.info/what-is-an-unfunded-retirement-plan.htmlhttps://pujavs-firm-stud.gluu.info/what-is-an-unfunded-retirement-plan.htmlUnfunded pension plans do not have any assets set aside, meaning that retirement benefits are usually paid directly from employer contributions. Also called pay-as-you-go plans, these retirement accounts can be set up by companies or governments. How do you determine if a pension plan is underfunded...Thu, 04 Jun 2026 08:37:47 +0000https://pujavs-firm-stud.gluu.info/what-is-an-ira-called-in-canada.htmlhttps://pujavs-firm-stud.gluu.info/what-is-an-ira-called-in-canada.htmlThe Canadian equivalent of a Roth IRA is a TFSA. Although the plans have differences, there are significant similarities. A Roth IRA and a TFSA are funded with after-tax dollars, and the growth and income earned in the account can be free from taxation if the rules are followed. What is the Canadian...Thu, 04 Jun 2026 08:31:10 +0000https://pujavs-firm-stud.gluu.info/do-both-parties-have-to-sign-divorce-papers-in-canada.htmlhttps://pujavs-firm-stud.gluu.info/do-both-parties-have-to-sign-divorce-papers-in-canada.htmlIn Canada there are two types of Divorce; a Contested Divorce and an Uncontested Divorce. Uncontested Divorce: In an Uncontested Divorce both spouses do agree and have signed a separation agreement to resolve all issues surrounding their Divorce. How long does divorce take in Ireland? When will I ha...Thu, 04 Jun 2026 08:25:48 +0000https://pujavs-firm-stud.gluu.info/how-long-does-an-employer-have-to-amend-a-w2.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-an-employer-have-to-amend-a-w2.htmlEmployers are required to correct errors on Forms W-2 as quickly as possible. The penalty for filing an incorrect W-2 with the SSA increases over time. To avoid penalties, a Form W-2c is generally required within 30 days of becoming aware of an error. What does amended w2 mean? Corrected Wage and Ta...Thu, 04 Jun 2026 08:16:40 +0000https://pujavs-firm-stud.gluu.info/does-money-from-a-relative-count-as-income.htmlhttps://pujavs-firm-stud.gluu.info/does-money-from-a-relative-count-as-income.htmlAny income you receive from voluntary sources – such as from friends and family or from charities – is disregarded completely when calculating benefits. This means the amount of benefit you are entitled to is not affected by this kind of income. Most other sorts of income should be entered into the ...Thu, 04 Jun 2026 08:15:20 +0000https://pujavs-firm-stud.gluu.info/can-a-business-owner-claim-disability.htmlhttps://pujavs-firm-stud.gluu.info/can-a-business-owner-claim-disability.htmlRegardless of how Social Security taxes are paid, self-employed people are just as eligible for Social Security disability insurance (SSDI) benefits as if they were employed by another person or company. Can a self-employed person buy disability insurance? Whether you’re a business owner, sole propr...Thu, 04 Jun 2026 08:08:45 +0000https://pujavs-firm-stud.gluu.info/do-single-parent-children-do-worse-in-school.htmlhttps://pujavs-firm-stud.gluu.info/do-single-parent-children-do-worse-in-school.htmlChildren raised by single mothers are more likely to fare worse on a number of dimensions, including their school achievement, their social and emotional development, their health and their success in the labor market. Even beyond having more income, two parents also have more time to spend with the...Thu, 04 Jun 2026 08:02:39 +0000https://pujavs-firm-stud.gluu.info/does-the-gold-card-count-as-health-insurance.htmlhttps://pujavs-firm-stud.gluu.info/does-the-gold-card-count-as-health-insurance.htmlGenerally, people who have Veteran Gold Cards can access all health care services that the government lists on the Medicare Benefits Schedule (MBS). The MBS time and service limits still apply to people who have a Veteran Gold Card. The Veteran Gold Card covers: medical and surgical care. How do you...Thu, 04 Jun 2026 07:58:30 +0000https://pujavs-firm-stud.gluu.info/who-is-responsible-for-laying-off-employees.htmlhttps://pujavs-firm-stud.gluu.info/who-is-responsible-for-laying-off-employees.htmlHR managers play an important role in the decision; however, they work collaboratively with supervisors and managers to identify the employees who could be subject to layoff. Also, HR’s job includes ensuring that the company adheres to applicable state and federal laws concerning laying off employee...Thu, 04 Jun 2026 07:57:45 +0000https://pujavs-firm-stud.gluu.info/what-can-you-deduct-on-sale-of-land.htmlhttps://pujavs-firm-stud.gluu.info/what-can-you-deduct-on-sale-of-land.htmlThey can deduct all the expenses of owning the vacant land they buy and sell, including interest, taxes, and other carrying costs. If you are a sole proprietor, these are deducted on IRS Schedule C. Is loss on sale of property deductible? A loss on the sale or exchange of personal use property, incl...Thu, 04 Jun 2026 07:48:40 +0000https://pujavs-firm-stud.gluu.info/do-nonresident-aliens-have-to-pay-taxes.htmlhttps://pujavs-firm-stud.gluu.info/do-nonresident-aliens-have-to-pay-taxes.htmlNonresident aliens are required to pay income tax only on income that is earned in the U.S. or earned from a U.S. source. 2 They do not have to pay tax on foreign-earned income. Do nonresident aliens pay self employment tax? Nonresident aliens are not subject to self-employment tax. However, self-e...Thu, 04 Jun 2026 07:32:51 +0000https://pujavs-firm-stud.gluu.info/how-much-money-did-small-business-make.htmlhttps://pujavs-firm-stud.gluu.info/how-much-money-did-small-business-make.htmlA small business owner makes an average of $71,900 in the United States, according to Payscale’s 2017 data, ranging from $29,365 to $156,227. Including bonuses, commission and profit sharing, this range becomes $30,039 to $179,299. In this article, we’ll cover: How Much Does a Small Business Owner M...Thu, 04 Jun 2026 07:32:05 +0000https://pujavs-firm-stud.gluu.info/what-questions-to-ask-your-elderly-parents.htmlhttps://pujavs-firm-stud.gluu.info/what-questions-to-ask-your-elderly-parents.htmlQuestions about getting older What are the most rewarding things about getting older? Is it a lifetime of knowledge? What are the most important lessons you’ve learned in your life? Who has influenced you the most? What life advice would you pass along? If you could go back to any age, what woul...Thu, 04 Jun 2026 07:20:21 +0000https://pujavs-firm-stud.gluu.info/what-does-it-mean-when-it-says-the-irs-has-accepted-your-return.htmlhttps://pujavs-firm-stud.gluu.info/what-does-it-mean-when-it-says-the-irs-has-accepted-your-return.htmlWhen you receive confirmation that the IRS accepted your return, it means that they have reviewed your return, and it has passed their initial inspection. They verify your personal information and other basic items, like if your dependents have already been claimed by someone else. Will I get an ema...Thu, 04 Jun 2026 07:12:33 +0000https://pujavs-firm-stud.gluu.info/should-i-date-a-woman-who-is-separated-but-not-divorced.htmlhttps://pujavs-firm-stud.gluu.info/should-i-date-a-woman-who-is-separated-but-not-divorced.htmlIf you’re considering dating a woman (or man) who’s married but separated you should reconsider. As strong as the attraction may be, the likelihood that the relationship will last is small. And taking that chance will put in you in a very real position to be hurt. Dating while separated, but not div...Thu, 04 Jun 2026 07:04:21 +0000https://pujavs-firm-stud.gluu.info/does-a-living-will-transfer-from-state-to-state.htmlhttps://pujavs-firm-stud.gluu.info/does-a-living-will-transfer-from-state-to-state.htmlIn most cases, your health care documents will be honored in other states. If you regularly spend time in more than one state, it’s smart to consider whether a living will, advance directive, or health care power of attorney made in your home state will be valid in the second state, too. Usually, it...Thu, 04 Jun 2026 07:01:47 +0000https://pujavs-firm-stud.gluu.info/what-is-the-control-number-on-w3.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-control-number-on-w3.htmlWhat is a W-3 Control Number? A control number is a unique number assigned by an employer to identify individual W-2 wage a tax statements. This section is optional. Most likely, if you’re a private business you’ll check “941”. Where do I find w3? You may file Forms W-2 and W-3 electronically on the...Thu, 04 Jun 2026 06:54:44 +0000https://pujavs-firm-stud.gluu.info/can-a-canadian-have-an-llc.htmlhttps://pujavs-firm-stud.gluu.info/can-a-canadian-have-an-llc.htmlThe LLC form of business ownership does not exist in Canada. While it’s common for owners to set up LLCs in the United States and other countries (including the U.K., Switzerland, Chile, Colombia, Italy, Japan, and India), this is not an option for Canadian business owners. What is the Canadian vers...Thu, 04 Jun 2026 06:53:58 +0000https://pujavs-firm-stud.gluu.info/what-is-the-importance-of-advertising-agencies.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-importance-of-advertising-agencies.htmlA primary role of an advertising agency is the creation of an advertising and marketing plan specific to your business, product and brand. Ad agencies work with your business objectives, keep within ad budgets and develop advertising and marketing campaigns to satisfy a business’ needs. What is esse...Thu, 04 Jun 2026 06:46:02 +0000https://pujavs-firm-stud.gluu.info/how-do-i-sell-vintage-jewelry.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-sell-vintage-jewelry.htmlThere are a few typical routes to selling your estate jewelry: Sell locally. Sell at an auction. Sell online to an estate jewelry buyer. CashforGoldUSA.com. RubyLane.com. Worthy.com. WPDiamonds.com. Other places where you could sell inherited jewelry. Does Flora Gems buy jewelry? We buy all f...Thu, 04 Jun 2026 06:44:41 +0000https://pujavs-firm-stud.gluu.info/what-does-a-va-rating-of-100-total-and-permanent-mean.htmlhttps://pujavs-firm-stud.gluu.info/what-does-a-va-rating-of-100-total-and-permanent-mean.htmlPermanent and Total disability, or P, refers to veterans whose disabilities are total (rated 100 percent disabling by VA) and permanent (have zero or close to zero chance of improvement). A 100 percent rating indicates that your disability is completely, or “totally,” disabling. Can you get more tha...Thu, 04 Jun 2026 06:40:30 +0000https://pujavs-firm-stud.gluu.info/what-is-a-host-home.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-host-home.htmlThe host home program is a short-term housing option that provides a safe living environment and client-driven supportive services to youth 18-24 who have experienced homelessness. Rent and utilities are provided free of charge to all youth. What is DD community? The purpose of the Developmental Dis...Thu, 04 Jun 2026 06:35:33 +0000https://pujavs-firm-stud.gluu.info/how-many-immigrants-came-to-the-us-in-2011.htmlhttps://pujavs-firm-stud.gluu.info/how-many-immigrants-came-to-the-us-in-2011.htmlAccording to DHS estimates, about 8.9 million unauthorized immigrants in 2011 were born in North America (which includes Mexico, Central America, the Caribbean, and Canada). About 1.3 million were from Asia, 800,000 from South America, 300,000 from Europe, and 200,000 from the remaining parts of the...Thu, 04 Jun 2026 06:29:23 +0000https://pujavs-firm-stud.gluu.info/do-roth-conversions-have-to-be-done-by-year-end.htmlhttps://pujavs-firm-stud.gluu.info/do-roth-conversions-have-to-be-done-by-year-end.htmlRoth IRA – Conversion From an IRA Distribution Must be by End of Tax Year. The original conversion from a Traditional IRA to a Roth IRA must be completed within 60 days after the end of the tax year. The distribution from the IRA would have to be done by December 31 of the tax year. Can I convert IR...Thu, 04 Jun 2026 06:20:58 +0000https://pujavs-firm-stud.gluu.info/why-do-companies-offer-discounts-to-employees.htmlhttps://pujavs-firm-stud.gluu.info/why-do-companies-offer-discounts-to-employees.htmlFor Direct Savings So while the direct goal of offering employee perks and discounts is to support employees financially, so they have better work-life balance and lead healthy lives around wellness, it also means the company can take advantage of it’s own “perks” and save money in the process. Do s...Thu, 04 Jun 2026 06:12:17 +0000https://pujavs-firm-stud.gluu.info/can-a-company-borrow-money-to-pay-dividends.htmlhttps://pujavs-firm-stud.gluu.info/can-a-company-borrow-money-to-pay-dividends.htmlA corporation may borrow money to pay a cash dividend when the company’s retained earnings in a given year do not support the dividend payment. Paying the dividend with borrowed funds, they may believe, signals their confidence that future cash flows will pay off the loan and support a continuing di...Thu, 04 Jun 2026 06:04:38 +0000https://pujavs-firm-stud.gluu.info/how-much-did-houses-cost-in-2011.htmlhttps://pujavs-firm-stud.gluu.info/how-much-did-houses-cost-in-2011.htmlAverage price of existing homes in the United States from 1990 to 2011 (in thousand U.S. dollars) Characteristic Average price in thousand U.S. dollars 2011 214 2010 220 2009 216.9 2008 242.7 What percentage of US homes are owned by investors? Last year, the firm estimates that investors make up abo...Thu, 04 Jun 2026 06:02:08 +0000https://pujavs-firm-stud.gluu.info/what-is-one-reason-employers-offer-group-insurance.htmlhttps://pujavs-firm-stud.gluu.info/what-is-one-reason-employers-offer-group-insurance.htmlPlace health coverage within reach of employees – One reason employers offer group health insurance is to make medical coverage more accessible and affordable to their employees. What does an employer group health insurance sponsor do? Plan sponsor is the entity that ultimately pays for the coverage...Thu, 04 Jun 2026 05:52:59 +0000https://pujavs-firm-stud.gluu.info/can-one-spouse-file-for-homestead-exemption-in-florida.htmlhttps://pujavs-firm-stud.gluu.info/can-one-spouse-file-for-homestead-exemption-in-florida.htmlGenerally, a married couple is entitled to only one homestead exemption. If one of the spouses resides in another state and receives an ad valorem tax reduction with respect to his or her residence, generally, the spouse living in Florida is not entitled to a homestead exemption for his or her Flori...Thu, 04 Jun 2026 05:42:30 +0000https://pujavs-firm-stud.gluu.info/is-accounting-standard-22-mandatory.htmlhttps://pujavs-firm-stud.gluu.info/is-accounting-standard-22-mandatory.htmlAS 22 needs to be applied when there are differences between taxable income and accounting income. If taxable income is greater than accounting income, then it will result in deferred tax asset. And if accounting income is greater than taxable income, then it will result in deferred tax liability. W...Thu, 04 Jun 2026 05:40:11 +0000https://pujavs-firm-stud.gluu.info/can-you-cover-a-girlfriend-on-my-health-insurance.htmlhttps://pujavs-firm-stud.gluu.info/can-you-cover-a-girlfriend-on-my-health-insurance.htmlIn order to add someone to your health insurance policy, you must first show an insurable interest. If you live in a state where common law marriage is recognized, you can add your girlfriend to your policy as a spouse. The insurance company must recognize your arrangement if it is honored by law. S...Thu, 04 Jun 2026 05:38:53 +0000https://pujavs-firm-stud.gluu.info/can-tax-returns-stop-you-from-buying-a-house.htmlhttps://pujavs-firm-stud.gluu.info/can-tax-returns-stop-you-from-buying-a-house.htmlCan you buy a house if you owe taxes? The good news is that federal tax debt—or even a tax lien—doesn’t automatically ruin your chances of being approved for a mortgage. But you do usually have to take steps to resolve the issue before a lender will look favorably upon your mortgage application. The...Thu, 04 Jun 2026 05:35:00 +0000https://pujavs-firm-stud.gluu.info/does-missouri-tax-roth-ira-distributions.htmlhttps://pujavs-firm-stud.gluu.info/does-missouri-tax-roth-ira-distributions.htmlRetirement years: Qualified distributions from your Roth IRA in retirement are tax-exempt. In addition, Roth IRAs are not subject to annual required minimum distributions (RMDs). Can you withdraw from individual IRA? Once you turn age 59 1/2, you can withdraw any amount from your IRA without having ...Thu, 04 Jun 2026 05:31:04 +0000https://pujavs-firm-stud.gluu.info/are-insurance-agents-trustworthy.htmlhttps://pujavs-firm-stud.gluu.info/are-insurance-agents-trustworthy.htmlAvoid Any Agent Who Suggests You Lie to Your Insurer While most insurance agents and brokers are honest, trustworthy individuals, the industry has a few bad apples. How can you tell if your insurance intermediary is dishonest? Here are 10 signs that your agent or broker may be doing something illega...Thu, 04 Jun 2026 05:30:03 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-i-overstay-my-h1b-visa.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-i-overstay-my-h1b-visa.htmlIf you stay beyond that date, you become “unlawfully present,” and the consequences can be severe. After 180 days of unlawful presence, you cannot return to U.S. for three years from the date you finally depart. If you overstay by a year, the ban on returning to the U.S. becomes ten years. What is m...Thu, 04 Jun 2026 05:27:49 +0000https://pujavs-firm-stud.gluu.info/what-are-three-types-of-retirement-income.htmlhttps://pujavs-firm-stud.gluu.info/what-are-three-types-of-retirement-income.htmlTwo types of retirement income include regular and potential. Potential income includes IRAs, 401(k)s, and reverse mortgages. Regular retirement income includes Social Security, a pension, an annuitized defined-contribution plan pension, and employment. Where can I invest money other than retirement...Thu, 04 Jun 2026 05:17:30 +0000https://pujavs-firm-stud.gluu.info/how-do-you-calculate-evaluate.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-calculate-evaluate.htmlTo evaluate an expression, we substitute the given number for the variable in the expression and then simplify the expression using the order of operations. To evaluate, substitute 3 for x in the expression, and then simplify. Is evaluate and calculate the same? As verbs the difference between calcu...Thu, 04 Jun 2026 05:13:02 +0000https://pujavs-firm-stud.gluu.info/is-it-ok-to-be-22-and-single.htmlhttps://pujavs-firm-stud.gluu.info/is-it-ok-to-be-22-and-single.htmlYou don’t need a romantic partner in your life to define who you are. And yes, it’s perfectly fine to be single at any age. It’s perfectly normal to be single at 22. Is it normal to be single in 20s? Your mid-20s are a time of growth and self-discovery, but they can also be full of uncertainty and l...Thu, 04 Jun 2026 05:09:05 +0000https://pujavs-firm-stud.gluu.info/do-management-fees-require-a-1099.htmlhttps://pujavs-firm-stud.gluu.info/do-management-fees-require-a-1099.htmlIf you use a property manager, you will need to file a Form 1099 for their service fees (not including reimbursed expenses). You must also supply a form W-9 to the property manager. The property management company will be responsible for issuing 1099s to all contractors they have hired to maintain y...Thu, 04 Jun 2026 05:08:41 +0000https://pujavs-firm-stud.gluu.info/when-did-international-waters-start.htmlhttps://pujavs-firm-stud.gluu.info/when-did-international-waters-start.htmlThe Convention on the High Seas, signed in 1958, which has 63 signatories, defined “high seas” to mean “all parts of the sea that are not included in the territorial sea or in the internal waters of a State” and where “no State may validly purport to subject any part of them to its sovereignty.” The...Thu, 04 Jun 2026 05:02:41 +0000https://pujavs-firm-stud.gluu.info/how-many-years-in-the-state-of-ohio-does-the-statute-of-limitations-ap.htmlhttps://pujavs-firm-stud.gluu.info/how-many-years-in-the-state-of-ohio-does-the-statute-of-limitations-ap.htmlThe general time limits are: six years for felonies. two years for misdemeanors, and. six months for minor misdemeanors. Does Ohio have a statute of limitations? In Ohio, there is no statute of limitations for murder or aggravated murder. That means people can be charged with these crimes no matter ...Thu, 04 Jun 2026 04:59:34 +0000https://pujavs-firm-stud.gluu.info/do-social-workers-have-supervisors.htmlhttps://pujavs-firm-stud.gluu.info/do-social-workers-have-supervisors.htmlProfessional supervision is part of the social worker’s ongoing responsibility for the quality of practice performance. 5.1 Education – Attention is focused on developing practice based knowledge, understanding and skills that will improve the competence and the professional satisfaction of social w...Thu, 04 Jun 2026 04:58:39 +0000https://pujavs-firm-stud.gluu.info/is-uc-berkeley-good-for-international-students.htmlhttps://pujavs-firm-stud.gluu.info/is-uc-berkeley-good-for-international-students.htmlHow Does UC Berkeley Serve International Students? Overall, UC Berkeley is among the most popular schools for students from outside the United States. They are ranked 7th out of 1,279 in our Overall Most Popular U.S. Colleges & Universities for International Students. How hard is it to get resea...Thu, 04 Jun 2026 04:56:13 +0000https://pujavs-firm-stud.gluu.info/what-does-it-mean-to-start-a-social-enterprise.htmlhttps://pujavs-firm-stud.gluu.info/what-does-it-mean-to-start-a-social-enterprise.htmlA social enterprise is a revenue-generating organization whose objective is to have a social impact. Social enterprises include “non-profit organizations” or “registered charities” who operate revenue generating related businesses, and include organizations that operate as “for-profit” businesses wi...Thu, 04 Jun 2026 04:55:58 +0000https://pujavs-firm-stud.gluu.info/how-long-do-you-have-to-pay-off-tsp-loan.htmlhttps://pujavs-firm-stud.gluu.info/how-long-do-you-have-to-pay-off-tsp-loan.htmlYou have up to 15 years to repay to your RRSP, pooled registered pension plan (PRPP) or specified pension plan (SPP) the amounts you withdrew from your RRSP under the HBP. Your repayment period starts the second year after the year when you first withdrew funds from your RRSP(s) for the HBP. What ha...Thu, 04 Jun 2026 04:55:45 +0000https://pujavs-firm-stud.gluu.info/how-can-i-get-residence-visa-for-my-husband-in-uae.htmlhttps://pujavs-firm-stud.gluu.info/how-can-i-get-residence-visa-for-my-husband-in-uae.htmlWife Sponsoring Residence Visa For Husband: Online application or through a registered typing office in UAE. Passports (both original and copies) of husband, wife and children. Passport size photograph of spouse and children. Salary certificate (for government employees) or attested work contract (f...Thu, 04 Jun 2026 04:20:21 +0000https://pujavs-firm-stud.gluu.info/can-i-live-in-japan-for-a-few-years.htmlhttps://pujavs-firm-stud.gluu.info/can-i-live-in-japan-for-a-few-years.htmlIf you are a citizen of a participating country*, a Japanese Working Holiday Visa program is one of the best opportunities to live in and explore Japan for an extended period with or without a college degree. Visa holders can enjoy life in Japan for up to a year while working to supplement their tra...Thu, 04 Jun 2026 04:18:00 +0000https://pujavs-firm-stud.gluu.info/what-questions-should-you-ask-when-investing-in-a-business.htmlhttps://pujavs-firm-stud.gluu.info/what-questions-should-you-ask-when-investing-in-a-business.htmlQuestions To Ask Before Investing In A Business Opportunity How much money do you have to invest? How much money can you afford to lose? Will you operate alone or will you have partners? Will you need financing? How will you obtain it? Do you have savings or income to live on while you start your ne...Thu, 04 Jun 2026 04:16:46 +0000https://pujavs-firm-stud.gluu.info/is-it-better-to-live-on-base-or-off-base-in-hawaii.htmlhttps://pujavs-firm-stud.gluu.info/is-it-better-to-live-on-base-or-off-base-in-hawaii.htmlIf you don’t require a lot of extra space, off base is a good option for you. Another plus to off-base housing is if your significant other is being deployed off island, you are able to downsize to a small studio while they are gone, in order to save money. Is it hard to get stationed in Hawaii? Haw...Thu, 04 Jun 2026 04:16:07 +0000https://pujavs-firm-stud.gluu.info/how-old-do-people-with-tattoos-live.htmlhttps://pujavs-firm-stud.gluu.info/how-old-do-people-with-tattoos-live.htmlResults. The mean age of death for tattooed persons was 39 years, compared with 53 years for non-tattooed persons (P = . 0001). There was a significant contribution of negative messages in tattoos associated with non-natural death (P = . How old can you be with parents permission to get a tattoo? It...Thu, 04 Jun 2026 04:06:19 +0000https://pujavs-firm-stud.gluu.info/do-dentists-work-charity.htmlhttps://pujavs-firm-stud.gluu.info/do-dentists-work-charity.htmlDentistry From the Heart is a charitable organization that sets up events around the U.S., and internationally, to provide free dental care. Dentists provide donated dental services at these events. They provide up to one million annually in grants for dental work to individuals in need of cosmetic ...Thu, 04 Jun 2026 04:02:26 +0000https://pujavs-firm-stud.gluu.info/do-russians-pay-taxes-in-russia.htmlhttps://pujavs-firm-stud.gluu.info/do-russians-pay-taxes-in-russia.htmlAny foreigner who receives an income from a Russian source has to pay personal income taxes in Russia. If you live in the country for more than 183 days per year and have been granted a legal Russian residency permit, your tax liabilities are lower than those of non-residents. What is the tax rate f...Thu, 04 Jun 2026 04:01:46 +0000https://pujavs-firm-stud.gluu.info/are-brick-and-mortar-stores-making-a-comeback.htmlhttps://pujavs-firm-stud.gluu.info/are-brick-and-mortar-stores-making-a-comeback.htmlThe focus of retail for most of 2020 was on the growth of e-commerce and omnichannel capabilities, but new data suggests that brick-and-mortar will make a comeback in 2021. This is likely tied to the biggest drivers of brick-and-mortar: touch and feel, and immediate fulfillment. How do you attract c...Thu, 04 Jun 2026 04:01:16 +0000https://pujavs-firm-stud.gluu.info/can-you-deduct-construction-loan-interest.htmlhttps://pujavs-firm-stud.gluu.info/can-you-deduct-construction-loan-interest.htmlThis is an itemized personal deduction you take on IRS Schedule A. So long as the home becomes your main home or second home on the day it’s ready for occupancy, you can deduct all the interest you paid on the construction loan within 24 months before the home was completed. What costs are capitaliz...Thu, 04 Jun 2026 03:53:48 +0000https://pujavs-firm-stud.gluu.info/where-does-depreciation-recapture-go-on-1120s.htmlhttps://pujavs-firm-stud.gluu.info/where-does-depreciation-recapture-go-on-1120s.htmlThe recapture amount is included on line 31 (and line 13) of Form 4797. See the instructions for Part III. If the total gain for the depreciable property is more than the recapture amount, the excess is reported on Form 8949. Can I add back Section 179 expense? A taxpayer may deduct 20% of the total...Thu, 04 Jun 2026 03:53:46 +0000https://pujavs-firm-stud.gluu.info/can-you-get-oas-if-you-have-rrsp.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-oas-if-you-have-rrsp.htmlRRSPs are only tax-deferred and taxes are due at withdrawal. Depending on your circumstances, the reduction in RRSP funds available later on may maximize the OAS benefit you qualify for. Funds withdrawn from your RRSP can be re-invested in a tax-efficient account like the TFSA. Does RRSP affect CPP ...Thu, 04 Jun 2026 03:47:48 +0000https://pujavs-firm-stud.gluu.info/will-the-adoption-tax-credit-be-refundable.htmlhttps://pujavs-firm-stud.gluu.info/will-the-adoption-tax-credit-be-refundable.htmlClaiming the Federal Adoption Tax Credit for 2020. The 2020 adoption tax credit is NOT refundable, which means taxpayers can only use the credit if they have federal income tax liability (see below). The credit applies one time for each adopted child and should be claimed when taxpayers file taxes f...Thu, 04 Jun 2026 03:42:27 +0000https://pujavs-firm-stud.gluu.info/will-i-lose-my-house-if-i-get-divorced.htmlhttps://pujavs-firm-stud.gluu.info/will-i-lose-my-house-if-i-get-divorced.htmlMarital property is defined as the assets you or your spouse acquired during your marriage. Generally, only marital property is subject to equitable distribution, and since houses are usually considered marital property, you are at risk of losing your house in a divorce. What wife Will get after div...Thu, 04 Jun 2026 03:35:37 +0000https://pujavs-firm-stud.gluu.info/what-is-settlement-option-arbitration.htmlhttps://pujavs-firm-stud.gluu.info/what-is-settlement-option-arbitration.htmlArbitration clauses can be simple — stating that claims will be settled according to applicable arbitration rules and then enforced by a local court. Arbitration clauses can be mandatory or voluntary, and the arbitrator’s decision may be binding or nonbinding. Is arbitration same as settlement? Sett...Thu, 04 Jun 2026 03:29:48 +0000https://pujavs-firm-stud.gluu.info/can-you-claim-insurance-on-a-lost-ring.htmlhttps://pujavs-firm-stud.gluu.info/can-you-claim-insurance-on-a-lost-ring.htmlIf you lost a ring or another piece of jewelry, you may not have insurance from a basic home insurance policy. A standard homeowners policy typically does not cover lost jewelry, but jewelry that’s under “schedule personal property” coverage is usually covered if it’s lost. How does insurance work o...Thu, 04 Jun 2026 03:25:17 +0000https://pujavs-firm-stud.gluu.info/what-is-a-reimbursement-report.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-reimbursement-report.htmlThe Reimbursements report provides itemized details for all reimbursements, including those requested by you and those that are generated automatically. Reimbursements appear in your account 4-5 days after the reimbursement is approved. How do you manage reimbursement? Steps to Manage the Expense Re...Thu, 04 Jun 2026 03:22:08 +0000https://pujavs-firm-stud.gluu.info/why-should-i-choose-corporation.htmlhttps://pujavs-firm-stud.gluu.info/why-should-i-choose-corporation.htmlThe main reason for forming a corporation is to limit the liability of the owners. In a sole proprietorship or partnership, the owners are personally liable for the debts and liabilities of the business, and in many instances, creditors can go after their personal assets to collect business debts. W...Thu, 04 Jun 2026 03:05:45 +0000https://pujavs-firm-stud.gluu.info/what-is-itc-investment-tax-credit.htmlhttps://pujavs-firm-stud.gluu.info/what-is-itc-investment-tax-credit.htmlThe Investment Tax Credit (“ITC”) is a 30 percent federal tax credit for solar systems on residential (under Section 25D) and commercial (under section 48) properties that, under current law, remains in effect through December 31, 2016. The company that installs, develops or finances the project use...Thu, 04 Jun 2026 02:57:35 +0000https://pujavs-firm-stud.gluu.info/are-all-settlement-charges-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/are-all-settlement-charges-tax-deductible.htmlHome purchasers can typically deduct many, if not all, of the settlement charges for the tax year during which they purchase the home. Tax-deductible settlement charges include common fees such as property tax, origination fees or points, and prepaid interest. Is a settlement statement the same as a...Thu, 04 Jun 2026 02:57:08 +0000https://pujavs-firm-stud.gluu.info/how-much-does-dave-charge-for-a-loan.htmlhttps://pujavs-firm-stud.gluu.info/how-much-does-dave-charge-for-a-loan.htmlHow Much Does Dave Cost? Dave costs $1 per month, which entitles you to up to a $75 cash advance. If you want the cash advance to be delivered within eight hours, you’ll have to pay a $4.99 express fee. What are the fees with Dave? Dave costs just $1 per month. This helps us offset the costs of offe...Thu, 04 Jun 2026 02:56:38 +0000https://pujavs-firm-stud.gluu.info/can-i-claim-exempt-on-w4-for-bonus.htmlhttps://pujavs-firm-stud.gluu.info/can-i-claim-exempt-on-w4-for-bonus.htmlFor this reason, the IRS implemented rules requiring withholding from bonus income and setting forth specific rules on how much must be withheld. It’s no longer possible to file exempt from withholding for bonus income. Does tax Exempt apply to bonuses? Bonus basics The IRS considers cash bonuses “s...Thu, 04 Jun 2026 02:56:11 +0000https://pujavs-firm-stud.gluu.info/is-a-college-student-living-at-home-a-dependent.htmlhttps://pujavs-firm-stud.gluu.info/is-a-college-student-living-at-home-a-dependent.htmlMost first-year college students will have already qualified as a dependent, assuming they were living at home for the first eight months of the year while they completed high school. Is it better for a college student to file their own taxes? Students who are single and earned more than the $12,400...Thu, 04 Jun 2026 02:55:18 +0000https://pujavs-firm-stud.gluu.info/what-were-the-tax-brackets-in-2011.htmlhttps://pujavs-firm-stud.gluu.info/what-were-the-tax-brackets-in-2011.htmlSingle filers Married filing jointly or qualifying widow/widower Married filing separately 10% Up to $8,500 Up to $17,000 15% $8,501 – $34,500 $17,001 – $69,000 25% $34,501 – $83,600 $69,001 – $139,350 28% $83,601 – $174,400 $139,351 – $212,300 What are all the taxes a small business pays? Small bus...Thu, 04 Jun 2026 02:50:33 +0000https://pujavs-firm-stud.gluu.info/how-much-does-the-average-57-year-old-have-in-401k.htmlhttps://pujavs-firm-stud.gluu.info/how-much-does-the-average-57-year-old-have-in-401k.htmlAssumptions vs. Reality: The Actual 401k Balance by Age AGE AVERAGE 401K BALANCE MEDIAN 401K BALANCE 25-34 $26,839 $10,402 35-44 $72,578 $26,188 45-54 $135,777 $46,363 55-64 $197,322 $69,097 How much does the average 57 year old have saved for retirement? It can be hard to know if you’re saving enou...Thu, 04 Jun 2026 02:50:20 +0000https://pujavs-firm-stud.gluu.info/how-do-i-find-a-nurse-to-hire.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-find-a-nurse-to-hire.htmlProactive Employee Referrals: Ask your top nurses to provide you with a number of referrals. Ask them to refer qualified former colleagues, friends… anyone! Skills-based Referrals: Ask your staff to refer the best nurses they’ve worked with by specific skills and areas of expertise. Is it hard to ge...Thu, 04 Jun 2026 02:40:35 +0000https://pujavs-firm-stud.gluu.info/is-it-cheaper-to-live-in-indiana-or-kentucky.htmlhttps://pujavs-firm-stud.gluu.info/is-it-cheaper-to-live-in-indiana-or-kentucky.htmlIt’s cheaper for property owners to live in Kentucky. But regarding personal income taxes, Indiana is the cheaper state. And Kentucky came in just below Indiana at a total tax burden of 9.36 percent compared to 9.59 percent for Indiana. Is Kentucky a cheap place to live? Kentucky has about a 21% che...Thu, 04 Jun 2026 02:39:51 +0000https://pujavs-firm-stud.gluu.info/can-the-irs-levy-a-money-market-account.htmlhttps://pujavs-firm-stud.gluu.info/can-the-irs-levy-a-money-market-account.htmlA bank levy is when the IRS or state taxing authority removes the amount of unpaid federal or state tax debt from the debtor’s bank accounts: Without obtaining a court order, the state and federal government can act quickly to seize funds from any account to which the debtor has access, including ch...Thu, 04 Jun 2026 02:36:20 +0000https://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-get-a-permanent-resident-green-card.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-get-a-permanent-resident-green-card.htmlIn most cases, it takes about two years for a green card to become available, and the entire process takes around three years. It can take slightly longer for citizens of Mexico, China, India, and the Philippines. How long does it take to get permanent resident status? According to USCIS, an applica...Thu, 04 Jun 2026 02:30:23 +0000https://pujavs-firm-stud.gluu.info/can-i-writing-a-book-while-working-full-time.htmlhttps://pujavs-firm-stud.gluu.info/can-i-writing-a-book-while-working-full-time.htmlYou can free write, or continue your work in progress. Whatever you choose, challenge yourself to write at least three hundred words before the timer goes off. When you’re done, share your writing and your word count in the comments below. Be sure to leave feedback for your fellow writers! How much ...Thu, 04 Jun 2026 02:28:50 +0000https://pujavs-firm-stud.gluu.info/when-pf-withdrawal-is-non-taxable.htmlhttps://pujavs-firm-stud.gluu.info/when-pf-withdrawal-is-non-taxable.htmlRaote says, “If the withdrawal from EPF account is made after working for 5 continuous years, then such withdrawal is exempted from tax. On the other hand, if the continuous service is less than five years, then the amount withdrawn becomes taxable in the hands of an individual. Does PF withdrawal i...Thu, 04 Jun 2026 02:28:26 +0000https://pujavs-firm-stud.gluu.info/are-egg-donor-fees-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/are-egg-donor-fees-tax-deductible.htmlSimilarly, expenses the taxpayer pays to obtain an egg donor, including the donor’s expenses, are directly related and preparatory to the taxpayer’s receiving the donated egg or embryo. The expenses are therefore the taxpayer’s medical expenses and are deductible by the taxpayer in the year paid. Is...Thu, 04 Jun 2026 02:27:34 +0000https://pujavs-firm-stud.gluu.info/does-bank-of-america-send-1099.htmlhttps://pujavs-firm-stud.gluu.info/does-bank-of-america-send-1099.htmlForms are mailed by the end of January and should arrive by mid-February. If you’re enrolled in Online Banking and you meet the IRS guidelines, you can find your 1099-INT form by signing in to Online Banking, selecting your deposit account and then selecting the Statements & Documents tab. Why d...Thu, 04 Jun 2026 02:24:33 +0000https://pujavs-firm-stud.gluu.info/what-does-dil-mean-in-real-estate.htmlhttps://pujavs-firm-stud.gluu.info/what-does-dil-mean-in-real-estate.htmldeed in lieu Updated June 30, 2021. A deed in lieu of foreclosure (DIL) is an option for avoiding foreclosure but still break free from unaffordable house payments. You can voluntarily transfer ownership to your lender—your deed—instead of or in lieu of waiting for them to foreclose on your home. Wh...Thu, 04 Jun 2026 02:20:57 +0000https://pujavs-firm-stud.gluu.info/are-not-personally-liable-for-debts.htmlhttps://pujavs-firm-stud.gluu.info/are-not-personally-liable-for-debts.htmlGenerally, shareholders are not personally liable for the debts of the corporation. Creditors can only collect on their debts by going after the assets of the corporation. Shareholders will usually only be on the hook if they cosigned or personally guaranteed the corporation’s debts. In what circums...Thu, 04 Jun 2026 02:04:05 +0000https://pujavs-firm-stud.gluu.info/how-does-drought-affect-the-cattle-industry.htmlhttps://pujavs-firm-stud.gluu.info/how-does-drought-affect-the-cattle-industry.htmlDrought can increase the price of feed and deplete water stores for animals and other farm uses. Dry conditions can reduce the ability of dairy farmers to grow feed and can also impact the availability and cost of bought in feed. Drought can also deplete water stores for animals and other farm uses....Thu, 04 Jun 2026 01:57:25 +0000https://pujavs-firm-stud.gluu.info/why-is-there-no-state-income-tax-in-texas.htmlhttps://pujavs-firm-stud.gluu.info/why-is-there-no-state-income-tax-in-texas.htmlThe Texas Constitution forbids personal income taxes. Instead of collecting income taxes, Texas relies on high sales and use taxes. When paired with local taxes, total sales taxes in some jurisdictions are as high as 8.25%. Property tax rates in Texas are also high. What does it mean when states hav...Thu, 04 Jun 2026 01:56:37 +0000https://pujavs-firm-stud.gluu.info/what-are-contractors-doing-in-afghanistan.htmlhttps://pujavs-firm-stud.gluu.info/what-are-contractors-doing-in-afghanistan.htmlSome have murkier roles in the shadowy world of proxy dark ops and mercenaries. Others help operate the billion-dollars’ worth of U.S. equipment and heavy weaponry within the Afghan military: Contractors provide all of the maintenance for the Afghan Air Force’s U.S.–made Black Hawk helicopters and C...Thu, 04 Jun 2026 01:55:47 +0000https://pujavs-firm-stud.gluu.info/can-i-get-a-refund-from-my-dentist.htmlhttps://pujavs-firm-stud.gluu.info/can-i-get-a-refund-from-my-dentist.htmlYou cannot claim a refund for the cost of private dental treatment or sundry items like toothbrushes on the NHS. If you had a mixture of NHS and private treatment, you can only get a refund for charges that were part of your NHS treatment. Do dentists make you pay upfront? Dental practices have diff...Thu, 04 Jun 2026 01:53:55 +0000https://pujavs-firm-stud.gluu.info/what-is-a-record-reviewer.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-record-reviewer.htmlClinical record review or chart review is a previously recorded data to answer clinical queries. Such a study can be used to answer specific clinical questions in a relatively easy and less resource intensive manner. How do you ensure accurate record keeping? Principles of Good Record Keeping Be fac...Thu, 04 Jun 2026 01:49:47 +0000https://pujavs-firm-stud.gluu.info/is-a-freelance-designer-a-sole-trader.htmlhttps://pujavs-firm-stud.gluu.info/is-a-freelance-designer-a-sole-trader.htmlFor this reason, most creative freelancers tend to operate as sole traders, particularly when they first go self-employed. Technically speaking, being a sole trader means you’re personally responsible for any losses your business makes. You need to register as a sole trader with HM Revenue & Cus...Thu, 04 Jun 2026 01:47:23 +0000https://pujavs-firm-stud.gluu.info/how-can-a-foreigner-start-a-business-in-hong-kong.htmlhttps://pujavs-firm-stud.gluu.info/how-can-a-foreigner-start-a-business-in-hong-kong.htmlWhat Are the Steps for Incorporating a Company in Hong Kong as a Foreigner? Choose a Company Name. The simplest of steps — pick a unique name for your company. Choose Your Business Type. Register Your Company. Open a Hong Kong Corporate Bank Account. How do I start a startup in Hong Kong? How to ...Thu, 04 Jun 2026 01:44:28 +0000