https://pujavs-firm-stud.gluu.infoConnected.Informed.Engaged.en-usFri, 22 May 2026 18:10:59 +0000https://pujavs-firm-stud.gluu.info/is-a-loan-modification-taxable.htmlhttps://pujavs-firm-stud.gluu.info/is-a-loan-modification-taxable.htmlDebt Modifications The modification or restructuring of existing debt may result in taxable COD income even though the debt was not forgiven outright. For instance, borrowers may ask for temporary relief from foreclosures or collection efforts if they make late debt payments. What does a principal r...Fri, 22 May 2026 18:08:23 +0000https://pujavs-firm-stud.gluu.info/is-turbotax-part-of-credit-karma.htmlhttps://pujavs-firm-stud.gluu.info/is-turbotax-part-of-credit-karma.htmlIntuit recently acquired Credit Karma; however, Credit Karma and TurboTax are separate products. You have to have separate accounts for both of these products. Is Credit Karma tax going away? Credit Karma is about to have a new owner, but its free tax preparation service won’t be coming along for th...Fri, 22 May 2026 18:05:25 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-mother-and-father-claim-child-on-taxes.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-mother-and-father-claim-child-on-taxes.htmlThe Internal Revenue Service (IRS) allows you to potentially reduce your tax by claiming a dependent child on a tax return. When both parents claim the child, the IRS will usually allow the claim for the parent that the child lived with the most during the year. Can my mom claim my child on her taxe...Fri, 22 May 2026 18:01:22 +0000https://pujavs-firm-stud.gluu.info/how-do-you-calculate-proprietor-income.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-calculate-proprietor-income.htmlSole proprietorship income tax calculation However, the business income of a sole proprietor is added to his individual income after deducting the business expenses, tax deductions and other relevant income, if any, from his gross receipts. Does a sole proprietor pay tax? The sole proprietor is pers...Fri, 22 May 2026 17:56:06 +0000https://pujavs-firm-stud.gluu.info/can-you-get-paid-from-a-501c3.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-paid-from-a-501c3.htmlThe IRS differentiates between a benefit and fair compensation for work that is done. A non-profit founder may pay themselves a fair salary for the work they do running the organization. Likewise, they can compensate full-time and part-time employees for the work they do. Do nonprofits get bonuses? ...Fri, 22 May 2026 17:55:04 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-auditors-find-mistakes.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-auditors-find-mistakes.htmlAuditors often ignore minor errors and might let you off with a 20 percent penalty, but if they find you guilty of deliberate tax evasion, you might have to pay penalties of up to 75 percent. While auditors are experts at detecting fraud, sometimes an honest mistake can seem like evasion. What are a...Fri, 22 May 2026 17:51:55 +0000https://pujavs-firm-stud.gluu.info/how-do-i-get-a-reseller-permit-in-nj.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-get-a-reseller-permit-in-nj.htmlTo register, file a Business Registration Application (Form NJ-REG) online with the Division of Revenue and Enterprise Services. Once registered, you will receive a New Jersey Business Registration Certificate and, if applicable, a New Jersey Certificate of Authority (to be able to collect Sales Tax...Fri, 22 May 2026 17:44:23 +0000https://pujavs-firm-stud.gluu.info/do-you-get-money-if-you-survive-a-plane-crash.htmlhttps://pujavs-firm-stud.gluu.info/do-you-get-money-if-you-survive-a-plane-crash.htmlThis type of plane crash compensation currently equals approximately $170,000 per passenger. During the past several decades, there have been limitations placed on victims for what they can recover from an airline under the international treaties and laws. How much do airlines pay if you die? Intern...Fri, 22 May 2026 17:44:19 +0000https://pujavs-firm-stud.gluu.info/can-the-government-take-land-by-eminent-domain.htmlhttps://pujavs-firm-stud.gluu.info/can-the-government-take-land-by-eminent-domain.htmlEminent domain is the power possessed by governments to take over the private property of a person without his/her consent. The government can only acquire private lands if it is reasonably shown that the property is to be used for public purpose only. When the government takes land by eminent domai...Fri, 22 May 2026 17:29:41 +0000https://pujavs-firm-stud.gluu.info/how-do-i-start-a-gmbh-company-in-germany.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-start-a-gmbh-company-in-germany.htmlThe formation procedure of a GmbH can be divided into the following 5 steps: Step 1: Drafting of Articles of Association. Step 2: Notarization of Articles of Association. Step 3: Payment of Share Capital. Step 4: Registration in the Commercial Register. Step 5: Trade Office Registration. How muc...Fri, 22 May 2026 17:23:00 +0000https://pujavs-firm-stud.gluu.info/how-much-does-a-private-family-therapist-make.htmlhttps://pujavs-firm-stud.gluu.info/how-much-does-a-private-family-therapist-make.htmlAccording to the U.S. Bureau of Labor Statistics’ (BLS) 2020 Occupational Outlook Handbook, the median national annual salary for marriage and family therapists is $51,340. How many clients should a therapist have? The average therapist has a caseload that can be anywhere between 25 to 45 patients e...Fri, 22 May 2026 17:18:18 +0000https://pujavs-firm-stud.gluu.info/is-a-higher-marginal-tax-rate-better.htmlhttps://pujavs-firm-stud.gluu.info/is-a-higher-marginal-tax-rate-better.htmlIf a taxpayer earns more money and moves into a higher income level, marginal tax rates can significantly diminish the benefit of the additional income because it will be taxed at a higher rate….Example of a Marginal Tax Rate. Sample Marginal Tax Rates Between $60,000–$100,000 40% Over $100,000 50% ...Fri, 22 May 2026 17:17:14 +0000https://pujavs-firm-stud.gluu.info/does-the-government-ever-sell-land.htmlhttps://pujavs-firm-stud.gluu.info/does-the-government-ever-sell-land.htmlQ: Does the Federal Government ever sell public land? A: The answer is yes. Lands identified as excess to the Federal Government’s needs or more suited to private ownership are sometimes offered for sale. What are examples of personal use property? Personal use property is used for personal enjoymen...Fri, 22 May 2026 17:16:55 +0000https://pujavs-firm-stud.gluu.info/what-is-subcontractor-labor.htmlhttps://pujavs-firm-stud.gluu.info/what-is-subcontractor-labor.htmlSubcontractor is a person who accomplishes a part of an existing contract by an original contractor. Subcontractor performs labor for a general contractor, rather than the employer who employed the general contractor. Usually, each subcontractor is paid a portion of what the contractor receives for ...Fri, 22 May 2026 17:12:40 +0000https://pujavs-firm-stud.gluu.info/what-qualifications-do-you-need-to-work-at-sea.htmlhttps://pujavs-firm-stud.gluu.info/what-qualifications-do-you-need-to-work-at-sea.htmlBasic Training STCW Personal Survival Techniques. STCW Personal Safety and Social Responsibilities. STCW Elementary First Aid. STCW Fire Prevention and Fire Fighting. Proficiency in Security Awareness. Proficiency in Survival Craft and Rescue Boats (PSC & RB) other than Fast Rescue Boats sometim...Fri, 22 May 2026 17:10:34 +0000https://pujavs-firm-stud.gluu.info/is-sales-tax-included-in-a-refund.htmlhttps://pujavs-firm-stud.gluu.info/is-sales-tax-included-in-a-refund.htmlIn most cases, when you change your mind about a purchase and return an item, your refund amount should include the sales tax you paid. Do you get money back when you return something? So what if you end up returning the item you purchased for a refund? Since you didn’t pay the retailer directly, it...Fri, 22 May 2026 17:05:07 +0000https://pujavs-firm-stud.gluu.info/why-is-my-tax-calculation-wrong.htmlhttps://pujavs-firm-stud.gluu.info/why-is-my-tax-calculation-wrong.htmlIf you think that your tax calculation is incorrect, you will need to contact HMRC. This can be done by phone by calling 0800 200 3300. If you do not agree with your simple assessment, you have 60 days to query this with HMRC by phone or in writing. The simple assessment letter explains how to do th...Fri, 22 May 2026 17:00:51 +0000https://pujavs-firm-stud.gluu.info/can-ira-accounts-be-in-a-trust.htmlhttps://pujavs-firm-stud.gluu.info/can-ira-accounts-be-in-a-trust.htmlYou cannot put your individual retirement account (IRA) in a trust while you are living. You can, however, name a trust as the beneficiary of your IRA and dictate how the assets are to be handled after your death. This applies to all types of IRAs, including traditional, Roth, SEP, and SIMPLE IRAs. ...Fri, 22 May 2026 16:57:50 +0000https://pujavs-firm-stud.gluu.info/how-much-does-it-cost-to-move-to-australia-from-uk.htmlhttps://pujavs-firm-stud.gluu.info/how-much-does-it-cost-to-move-to-australia-from-uk.htmlSo how much money do you need to move to Australia? If you’re a single skilled visa applicant, expect to spend around £5,000 to £10,000. But if you are moving your family to Australia, expect to fork out a significant amount, between £10,000 and £15,000. How hard is it to move from UK to Australia? ...Fri, 22 May 2026 16:53:09 +0000https://pujavs-firm-stud.gluu.info/what-is-private-employer-full-time.htmlhttps://pujavs-firm-stud.gluu.info/what-is-private-employer-full-time.htmlPrivate employer means a person who has one or more employees employed in the same business, or in or about the same establishment, under any contract of hire, express or implied, oral or written. Private employer means an employer who is not the federal government or a public employer. What’s consi...Fri, 22 May 2026 16:37:55 +0000https://pujavs-firm-stud.gluu.info/what-is-it-called-when-an-owner-withdraws-money-for-personal-use.htmlhttps://pujavs-firm-stud.gluu.info/what-is-it-called-when-an-owner-withdraws-money-for-personal-use.htmlDefinition: An owner’s withdrawal, sometimes called a distribution, is a payment of cash or assets from a partnership or sole proprietorship to one of its owners. In other words, an owner’s withdrawal is when an owner takes money out of the company for personal use. What happens when an owner withdr...Fri, 22 May 2026 16:29:06 +0000https://pujavs-firm-stud.gluu.info/can-wife-claim-property-after-death-of-husband.htmlhttps://pujavs-firm-stud.gluu.info/can-wife-claim-property-after-death-of-husband.htmlUnder Hindu Law: the wife has a right to inherit the property of her husband only after his death if he dies intestate. Hindu Succession Act, 1956 describes legal heirs of a male dying intestate and the wife is included in the Class I heirs, and she inherits equally with other legal heirs. What happ...Fri, 22 May 2026 16:27:22 +0000https://pujavs-firm-stud.gluu.info/what-percentage-are-employment-taxes.htmlhttps://pujavs-firm-stud.gluu.info/what-percentage-are-employment-taxes.htmlThe current tax rate for social security is 6.2% for the employer and 6.2% for the employee, or 12.4% total. The current rate for Medicare is 1.45% for the employer and 1.45% for the employee, or 2.9% total. What percent of income is taxed total? 13.3% States and cities that impose income taxes typi...Fri, 22 May 2026 16:24:47 +0000https://pujavs-firm-stud.gluu.info/what-is-the-purpose-of-b1-visa.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-purpose-of-b1-visa.htmlThe US B1 Business Visa is designed for short term business travel to the US. This visa is typically issued for a period of 6-12 months and is used for supporting business activities such as attending conferences, conducting negotiations etc. How do I renew my Brazilian visa? How to Renew Your Visa:...Fri, 22 May 2026 16:10:54 +0000https://pujavs-firm-stud.gluu.info/what-is-it-called-when-you-do-school-online.htmlhttps://pujavs-firm-stud.gluu.info/what-is-it-called-when-you-do-school-online.htmlOnline learning is sometimes called distance learning. You may also hear online schools referred to as virtual schools or cyber schools. Online classes and full-time online schools are often provided by local school districts, charter schools and state education agencies. Who creates online school? ...Fri, 22 May 2026 16:10:02 +0000https://pujavs-firm-stud.gluu.info/can-us-citizens-move-to-uk.htmlhttps://pujavs-firm-stud.gluu.info/can-us-citizens-move-to-uk.htmlMoving to the UK from USA Americans hoping to move to the UK have a bit more of a structured process and will need to obtain a visa. The most common type of visas are the UK work visa and family visas. For instance, when you’ve been offered a skilled job in the UK, you can apply for a Tier 2 visa. W...Fri, 22 May 2026 15:54:43 +0000https://pujavs-firm-stud.gluu.info/can-1099-contractors-unionize.htmlhttps://pujavs-firm-stud.gluu.info/can-1099-contractors-unionize.htmlAs an independent contractor, the terms and conditions of the work you perform are set out in a contract between you and the employer. Even though you are not considered an “employee” under federal labor law, you may still join a union. Do 1099 contractors need a contract? A. No. Being labeled an in...Fri, 22 May 2026 15:52:30 +0000https://pujavs-firm-stud.gluu.info/can-a-country-be-tax-free.htmlhttps://pujavs-firm-stud.gluu.info/can-a-country-be-tax-free.htmlMonaco. Monaco is a popular tax haven due to its personal and business laws related to taxes. Its residents don’t pay taxes on personal incomes. A person residing in Monaco for 6 months or more becomes a resident, and is thereafter, exempted from paying income tax. Can I claim my tax back if I work ...Fri, 22 May 2026 15:52:10 +0000https://pujavs-firm-stud.gluu.info/how-do-you-write-an-audit-background.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-write-an-audit-background.htmlWriting a clinical audit report Title: Give your audit a title that describes what is being audited. Background: Provide rationale for topic selection and include background information that is essential to understanding a process or problem. Aim and objectives: The aim describes what you want to ac...Fri, 22 May 2026 15:48:27 +0000https://pujavs-firm-stud.gluu.info/what-determines-whether-a-home-is-your-primary-residence.htmlhttps://pujavs-firm-stud.gluu.info/what-determines-whether-a-home-is-your-primary-residence.htmlHomes, apartments, boats, and trailers can all be considered a primary residence as long as it is where an individual, couple, or family resides the majority of the time. California defines a primary residence as “the place where you voluntarily establish yourself and family, not merely for a specia...Fri, 22 May 2026 15:45:38 +0000https://pujavs-firm-stud.gluu.info/do-buyers-pay-sellers-closing-cost.htmlhttps://pujavs-firm-stud.gluu.info/do-buyers-pay-sellers-closing-cost.htmlDoes the Buyer or the Seller Pay Closing Costs? Closing costs are paid according to the terms of the purchase contract made between the buyer and seller. Usually the buyer pays for most of the closing costs, but there are instances when the seller may have to pay some fees at closing too. Can a buye...Fri, 22 May 2026 15:43:54 +0000https://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-sponsor-parents-to-usa-from-india.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-sponsor-parents-to-usa-from-india.htmlI-130 Processing Times for Immediate Relatives For immediate relatives (spouse, children and parents) of U.S. citizens, there is an unlimited number of immigrant visas and approval can be obtained in approximately 5 to 9 months. There is a short wait because there is no visa limit for the immediate ...Fri, 22 May 2026 15:43:13 +0000https://pujavs-firm-stud.gluu.info/did-oregon-extend-statute-of-limitations.htmlhttps://pujavs-firm-stud.gluu.info/did-oregon-extend-statute-of-limitations.htmlIn response to ever-shifting court operations resulting from the COVID-19 pandemic, the Oregon legislature recently passed new legislation indefinitely extending the statute of limitations deadlines for most civil lawsuits involving contract and tort claims. What is the property damage statute of li...Fri, 22 May 2026 15:42:43 +0000https://pujavs-firm-stud.gluu.info/how-do-you-calculate-annual-income-for-a-new-job.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-calculate-annual-income-for-a-new-job.htmlTo determine your weekly salary, multiply your hourly salary by the number of hours you worked in each week. Since there are 52 weeks per year, multiply that number by 52. This will result in your annual salary. If you worked 40 hours in one week, at an hourly rate of $10 per hour, you would be maki...Fri, 22 May 2026 15:42:00 +0000https://pujavs-firm-stud.gluu.info/can-you-cash-out-your-own-life-insurance-policy.htmlhttps://pujavs-firm-stud.gluu.info/can-you-cash-out-your-own-life-insurance-policy.htmlGenerally, it is possible to withdraw limited amounts of cash from a life insurance policy. If, for example, you take a withdrawal during the first 15 years of the policy—and the withdrawal causes a reduction in the policy’s death benefit—some or all of the withdrawn cash could be subject to taxatio...Fri, 22 May 2026 15:40:59 +0000https://pujavs-firm-stud.gluu.info/where-does-the-required-minimum-distribution-go.htmlhttps://pujavs-firm-stud.gluu.info/where-does-the-required-minimum-distribution-go.htmlYou can withdraw more than the minimum required amount. Your withdrawals will be included in your taxable income except for any part that was taxed before (your basis) or that can be received tax-free (such as qualified distributions from designated Roth accounts). How do I spend my RMD? You can all...Fri, 22 May 2026 15:39:42 +0000https://pujavs-firm-stud.gluu.info/what-does-married-but-withhold-at-higher-single-rate-mean.htmlhttps://pujavs-firm-stud.gluu.info/what-does-married-but-withhold-at-higher-single-rate-mean.htmlmarried at higher single rate when you’re filling out the form. However, if you select the married but withhold at higher single rate option, your employer will calculate your tax withholding as if you were filing as a single person. This results in higher income tax withholding each paycheck. What ...Fri, 22 May 2026 15:31:46 +0000https://pujavs-firm-stud.gluu.info/can-you-jointly-buy-a-house-without-being-married.htmlhttps://pujavs-firm-stud.gluu.info/can-you-jointly-buy-a-house-without-being-married.htmlYou don’t have to be married to someone to buy a house together; however, some important factors should be considered before signing the papers. Both parties must have qualifying credit scores and income to be approved for the mortgage loan. Can a unmarried couple buy a house together in India? Frie...Fri, 22 May 2026 15:26:35 +0000https://pujavs-firm-stud.gluu.info/why-do-some-people-owe-taxes-and-others-get-a-refund.htmlhttps://pujavs-firm-stud.gluu.info/why-do-some-people-owe-taxes-and-others-get-a-refund.htmlIn a nutshell, over-withholding means you’ll get a refund at tax time. Under-withholding means you’ll owe. Many people try to get as close as possible to even so they get more money in their paychecks during the year, but don’t owe a lot or get a bigger refund at tax time. Does Chapter 7 take your t...Fri, 22 May 2026 15:25:31 +0000https://pujavs-firm-stud.gluu.info/do-you-get-paid-after-being-discharged.htmlhttps://pujavs-firm-stud.gluu.info/do-you-get-paid-after-being-discharged.htmlFull Involuntary Separation Pay can only be paid to veterans who have an honorable discharge. They are eligible for retirement pay based on their military service. The service member is separated due to a court-martial sentence. They are separated under other than honorable conditions. How do I get ...Fri, 22 May 2026 15:24:30 +0000https://pujavs-firm-stud.gluu.info/can-you-take-a-life-insurance-policy-out-on-your-sister.htmlhttps://pujavs-firm-stud.gluu.info/can-you-take-a-life-insurance-policy-out-on-your-sister.htmlThe short answer is, yes, you can get life insurance on someone else. However, there are certain guidelines that must be followed. One of the primary factors will be if there is an insurable interest or not. An “insurable interest” means that if someone died you would suffer financial loss. How long...Fri, 22 May 2026 15:19:29 +0000https://pujavs-firm-stud.gluu.info/how-long-does-ubs-take-to-transfer-money.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-ubs-take-to-transfer-money.htmlSame day one-time-only payments submitted before 4:00 p.m. on Business Days will be credited to the UBS credit card the same day. Payments submitted on a weekend and holiday or after 4:00 p.m. on a Business Day may be processed the following Business Day. What happens if someone transfers you money ...Fri, 22 May 2026 15:15:36 +0000https://pujavs-firm-stud.gluu.info/what-is-a-foreign-national-in-switzerland.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-foreign-national-in-switzerland.htmlAnyone residing in Switzerland at a given time, but who does not have Swiss nationality is defined as a foreign national. Italian, German, Portuguese and French nationals comprise the majority of foreigners from an EU/EFTA member state, as well as of all foreigners residing permanently in Switzerlan...Fri, 22 May 2026 15:14:55 +0000https://pujavs-firm-stud.gluu.info/what-money-do-you-get-at-retirement.htmlhttps://pujavs-firm-stud.gluu.info/what-money-do-you-get-at-retirement.htmlConsider the Average Social Security Payment The average Social Security benefit was $1,543 per month in January 2021. The maximum possible Social Security benefit for someone who retires at full retirement age is $3,148 in 2021. How do you get paid in retirement? Here are 10 of the most common ways...Fri, 22 May 2026 15:14:30 +0000https://pujavs-firm-stud.gluu.info/how-long-does-it-take-for-a-part-to-be-produced-using-injection-mouldi.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-it-take-for-a-part-to-be-produced-using-injection-mouldi.htmlA: We will evaluate your part design and modify it to be efficiently injection molded. Then, we will build the mold for the part. Next, your mold will be put into an injection molding press to make production parts. On average the entire process takes 8-10 weeks. How long does an injection mold last...Fri, 22 May 2026 15:12:25 +0000https://pujavs-firm-stud.gluu.info/when-did-aes-buy-dpl.htmlhttps://pujavs-firm-stud.gluu.info/when-did-aes-buy-dpl.html2011 -based AES Corp. acquired DPL Inc. in 2011 in a $4.7 billion deal. Did AES buy DPL? All-Cash Consideration of $30 per Share (NYSE: DPL) (“DPL”), today announced that it has entered into a definitive merger agreement with The AES Corporation (NYSE: AES) (“AES”) under which AES will acquire DPL i...Fri, 22 May 2026 15:03:18 +0000https://pujavs-firm-stud.gluu.info/do-i-have-to-pay-tax-if-i-buy-stocks-again.htmlhttps://pujavs-firm-stud.gluu.info/do-i-have-to-pay-tax-if-i-buy-stocks-again.htmlIf you sold stocks at a profit, you will owe taxes on gains from your stocks. And if you earned dividends or interest, you will have to report those on your tax return as well. However, if you bought securities but did not actually sell anything in 2020, you will not have to pay any “stock taxes.” H...Fri, 22 May 2026 14:58:42 +0000https://pujavs-firm-stud.gluu.info/what-are-the-three-methods-of-paying-for-legal-services.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-three-methods-of-paying-for-legal-services.htmlThere are three basic types of attorney compensation arrangements–contingency fee, hourly fee, and flat fee– but there are variations of each arrangement. A contingency fee provides for compensation to the attorney for his or her legal services based on a percentage of the recovery. How do you calcu...Fri, 22 May 2026 14:56:01 +0000https://pujavs-firm-stud.gluu.info/what-is-total-revenue-for-texas-franchise-tax.htmlhttps://pujavs-firm-stud.gluu.info/what-is-total-revenue-for-texas-franchise-tax.htmlCalculating the Franchise Tax The Texas Franchise Tax is calculated on a company’s margin for all entities with revenues above $1,110,000. The margin can be calculated in one of the following ways: Total Revenue Multiplied by 70 Percent. Total Revenue Minus Cost of Goods Sold. How do you figure fran...Fri, 22 May 2026 14:51:00 +0000https://pujavs-firm-stud.gluu.info/do-i-have-to-charge-interest-on-a-loan-to-a-friend.htmlhttps://pujavs-firm-stud.gluu.info/do-i-have-to-charge-interest-on-a-loan-to-a-friend.htmlYes, you should charge interest, even to friends and family. If you don’t charge a minimum rate, the IRS will imply interest in the loan and tax you for the interest they assume you should be getting. How can I legally borrow money to a friend? Take action to protect yourself Figure out how much you...Fri, 22 May 2026 14:49:04 +0000https://pujavs-firm-stud.gluu.info/how-do-you-get-a-divorce-if-the-spouse-disappears.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-get-a-divorce-if-the-spouse-disappears.htmlIf you do not know the whereabouts of your spouse you can apply to the Court for substituted service or dispensation of service as long as you can show the Court that you have made attempts to contact your spouse. What if your spouse disappears? If you still cannot find your spouse, you must submit ...Fri, 22 May 2026 14:42:56 +0000https://pujavs-firm-stud.gluu.info/is-falling-down-a-sign-of-cancer.htmlhttps://pujavs-firm-stud.gluu.info/is-falling-down-a-sign-of-cancer.htmlFatigue, confusion, and low blood counts are some common symptoms that occur with cancer and its treatment. These conditions may add to problems with balance and falling. What are the signs of last days of cancer? Signs of approaching death Worsening weakness and exhaustion. A need to sleep much of ...Fri, 22 May 2026 14:41:39 +0000https://pujavs-firm-stud.gluu.info/is-it-illegal-to-keep-money-accidentally-deposited-into-your-account.htmlhttps://pujavs-firm-stud.gluu.info/is-it-illegal-to-keep-money-accidentally-deposited-into-your-account.htmlUnfortunately, the money isn’t yours unless you made the deposit or if someone else made the deposit on your behalf. The only time you can keep money that is deposited into your account is when the deposit was intended to be made into your account. So, if the deposit was a mistake, you can’t keep th...Fri, 22 May 2026 14:39:35 +0000https://pujavs-firm-stud.gluu.info/do-small-businesses-have-to-pay-annual-leave.htmlhttps://pujavs-firm-stud.gluu.info/do-small-businesses-have-to-pay-annual-leave.htmlWhen employment ends, employers have to pay their employee for any unused annual leave they’ve accumulated during their employment. These payments apply even if an award, registered agreement or employment contract says that they don’t. How do I leave my ltd company? Your first step is to put your i...Fri, 22 May 2026 14:37:01 +0000https://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-record-quit-claim-deed.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-record-quit-claim-deed.htmlThis is called “recording” the deed. When done properly, a deed is recorded anywhere from two weeks to three months after closing. What happens when a deed is recorded? A deed to real property becomes a public document when it is recorded with the Recorder of Deeds subsequent to delivery and accepta...Fri, 22 May 2026 14:30:44 +0000https://pujavs-firm-stud.gluu.info/which-country-has-highest-rental-income.htmlhttps://pujavs-firm-stud.gluu.info/which-country-has-highest-rental-income.htmlPhilippines. Philippines. Rental yield: 6.13% United Arab Emirates. United Arab Emirates. Rental yield: 5.19% Costa Rica. Costa Rica. Rental yield: 7.48% Panama. Panama. Rental yield: 5.75% Indonesia. Indonesia. Rental yield: 8.61% Barbados. Barbados. Rental yield: 5.48% Thailand. Thailand. Ren...Fri, 22 May 2026 14:29:18 +0000https://pujavs-firm-stud.gluu.info/does-interactive-brokers-have-financial-advisors.htmlhttps://pujavs-firm-stud.gluu.info/does-interactive-brokers-have-financial-advisors.htmlWe provide a low-cost global trading and custody solution to advisors of all sizes. from a single integrated master account. Free CRM, portfolio management and trading platform, plus PortfolioAnalyst®, a tool to consolidate your clients’ entire portfolio. Are financial advisors the same as brokers? ...Fri, 22 May 2026 14:18:53 +0000https://pujavs-firm-stud.gluu.info/what-percentage-of-per-diem-do-you-get-on-travel-days.htmlhttps://pujavs-firm-stud.gluu.info/what-percentage-of-per-diem-do-you-get-on-travel-days.html75% According to the Federal Travel Regulation (FTR), travelers are entitled to 75% of the prescribed meals and incidental expenses for one day travel away from your official station if it is longer than 12 hours. Please see FTR §301-11.101. How much per diem can I pay a contractor? What is the mini...Fri, 22 May 2026 14:12:18 +0000https://pujavs-firm-stud.gluu.info/are-repairs-to-an-investment-property-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/are-repairs-to-an-investment-property-tax-deductible.htmlOver the course of owning an investment property, you will likely be required to pay for repairs. Repairs made to your investment property are tax deductible, however many investors may confuse repairs with improvements. How much can I write off for rental property? Most small landlords can deduct u...Fri, 22 May 2026 14:08:45 +0000https://pujavs-firm-stud.gluu.info/do-i-need-gst-to-sell-on-my-website.htmlhttps://pujavs-firm-stud.gluu.info/do-i-need-gst-to-sell-on-my-website.htmlMandatory GST Registration for Online Sellers Under GST, all online sellers must register and pay GST. This means that even if you only bring in Rs 1 lakh, you must go online and get a GSTIN. In addition, you’re required to file monthly returns and pay taxes on all qualified sales. Is GST applicable...Fri, 22 May 2026 14:04:25 +0000https://pujavs-firm-stud.gluu.info/how-much-did-the-disaster-girl-meme-sell-for.htmlhttps://pujavs-firm-stud.gluu.info/how-much-did-the-disaster-girl-meme-sell-for.html‘Disaster Girl’ Meme NFT Sells for $500,000 – The New York Times. Arts|The World Knows Her as ‘Disaster Girl. Who has sold an NFT? Twitter founder Jack Dorsey sold his first tweet, which launched the popular social media platform, as a $2.9 million NFT. The New York Times published an article, “Buy ...Fri, 22 May 2026 14:01:18 +0000https://pujavs-firm-stud.gluu.info/can-i-receive-my-uk-state-pension-in-usa.htmlhttps://pujavs-firm-stud.gluu.info/can-i-receive-my-uk-state-pension-in-usa.htmlClaim State Pension abroad. You can claim State Pension abroad if you’ve paid enough UK National Insurance contributions to qualify. Get a State Pension forecast if you need to find out how much State Pension you may get. How long can a UK employee work abroad? In most cases, what this means is that...Fri, 22 May 2026 13:47:37 +0000https://pujavs-firm-stud.gluu.info/what-husband-has-to-give-after-divorce.htmlhttps://pujavs-firm-stud.gluu.info/what-husband-has-to-give-after-divorce.htmlAlimony and Maintenance in Divorce One cannot just end this sacred alliance so easily. Because the responsibilities are still there to comply with. A man is obliged to provide the allowance for the sustenance of his wife, child, and parents. Does a husband have to support his wife after a divorce? I...Fri, 22 May 2026 13:39:47 +0000https://pujavs-firm-stud.gluu.info/can-a-sole-proprietorship-be-converted-to-a-company.htmlhttps://pujavs-firm-stud.gluu.info/can-a-sole-proprietorship-be-converted-to-a-company.htmlTo form a private limited company from a sole proprietorship, the procedure is to first form the private limited company and then take over the sole proprietorship through a Memorandum Of Association (MoA) and transfer all benefits and liabilities to the limited company. Can proprietorship firm name...Fri, 22 May 2026 13:33:58 +0000https://pujavs-firm-stud.gluu.info/what-are-four-characteristics-of-limited-partnerships.htmlhttps://pujavs-firm-stud.gluu.info/what-are-four-characteristics-of-limited-partnerships.htmlThey are a separate legal entity from their members. They have the benefit of limited liability for their members. They are taxed as a partnership. They have the organisational flexibility of a partnership. Why are limited Partnerships special? When investing through a limited partnership, the feder...Fri, 22 May 2026 13:31:26 +0000https://pujavs-firm-stud.gluu.info/what-are-period-13-adjustments.htmlhttps://pujavs-firm-stud.gluu.info/what-are-period-13-adjustments.htmlIf 13 (thirteen) accounting periods are selected when the fiscal year is set in the company file, AccountEdge still divides your fiscal year into 12 calendar months. The 13th period allows for adjustments that impact the year to date balance without affecting figures of a specific month in the compa...Fri, 22 May 2026 13:17:46 +0000https://pujavs-firm-stud.gluu.info/is-it-illegal-to-not-give-someone-their-social-security-card.htmlhttps://pujavs-firm-stud.gluu.info/is-it-illegal-to-not-give-someone-their-social-security-card.htmlThere is no law that prevents businesses from asking for your SSN. And you may be denied service if you don’t give the number. If giving your SSN to a business doesn’t seem reasonable to you, ask if you can show another form of identification. Who Cannot get a SSN? Unless you are a noncitizen who wa...Fri, 22 May 2026 13:12:02 +0000https://pujavs-firm-stud.gluu.info/does-vermont-have-a-capital-gains-tax.htmlhttps://pujavs-firm-stud.gluu.info/does-vermont-have-a-capital-gains-tax.htmlVermont Capital Gains Tax Most capital gains in Vermont are subject to the personal income tax rates of 3.35% – 8.75%. Income from capital gains on other types of property (like commercial real estate) is eligible for this 40% exclusion after three years. Is Vermont tax friendly for retirees? Vermon...Fri, 22 May 2026 13:11:38 +0000https://pujavs-firm-stud.gluu.info/can-you-draw-social-security-before-62-if-your-spouse-dies.htmlhttps://pujavs-firm-stud.gluu.info/can-you-draw-social-security-before-62-if-your-spouse-dies.htmlIf My Spouse Dies, Can I Collect Their Social Security Benefits? A surviving spouse can collect 100 percent of the late spouse’s benefit if the survivor has reached full retirement age, but the amount will be lower if the deceased spouse claimed benefits before he or she reached full retirement age....Fri, 22 May 2026 13:04:37 +0000https://pujavs-firm-stud.gluu.info/is-there-an-annual-limit-on-ira-contributions.htmlhttps://pujavs-firm-stud.gluu.info/is-there-an-annual-limit-on-ira-contributions.htmlThe annual IRA contribution limit is $6,000 in 2021 ($7,000 if age 50 or older). The IRA contribution limits apply to your combined traditional and Roth IRA contributions. Roth IRA contributions may be limited if your modified adjusted gross income (MAGI) is over a certain threshold. Is there a limi...Fri, 22 May 2026 12:50:12 +0000https://pujavs-firm-stud.gluu.info/how-many-injections-do-you-need-for-spinal-stenosis.htmlhttps://pujavs-firm-stud.gluu.info/how-many-injections-do-you-need-for-spinal-stenosis.htmlEpidural steroid injections are recommended to be administered up to three to six times per year. In the case of a new disc herniation, injections may be only weeks apart with a goal of quick and complete resolution of symptoms. For chronic conditions, three to six months or more between injections ...Fri, 22 May 2026 12:30:56 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-you-forget-to-file-capital-gains-tax.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-you-forget-to-file-capital-gains-tax.htmlMissing capital gains If you fail to report the gain, the IRS will become immediately suspicious. If you file your taxes too early and don’t report the gain, you’ll have to file an amended return and explain to the IRS what happened. Taxpayers ordinarily note a capital gain on Schedule D of their re...Fri, 22 May 2026 12:30:16 +0000https://pujavs-firm-stud.gluu.info/what-happens-to-a-sole-proprietorship-when-the-owner-retires-or-dies.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-to-a-sole-proprietorship-when-the-owner-retires-or-dies.htmlIf the business is a sole proprietorship, it will terminate upon the owner’s death and its assets will become part of the owner’s estate. If the business is a corporation, limited liability company, or other business entity, it will continue to exist and will maintain ownership of all business asset...Fri, 22 May 2026 12:24:44 +0000https://pujavs-firm-stud.gluu.info/how-many-us-citizens-receive-disability-benefits.htmlhttps://pujavs-firm-stud.gluu.info/how-many-us-citizens-receive-disability-benefits.htmlIn December 2016, there were 10,153,205 people receiving Social Security disability benefits as disabled workers, disabled widow(er)s, or disabled adult children. The majority (86.8 percent) were disabled workers, 10.7 percent were disabled adult children, and 2.6 percent were disabled widow(er)s. S...Fri, 22 May 2026 12:18:30 +0000https://pujavs-firm-stud.gluu.info/can-you-close-a-small-pension-and-take-the-money.htmlhttps://pujavs-firm-stud.gluu.info/can-you-close-a-small-pension-and-take-the-money.htmlSmall pot lump sum payments can be made regardless of the value of your total pension savings – even if they exceed the Lifetime Allowance. Small pot lump sums might be available from providers that don’t otherwise allow you to take your whole pension pot. How much cash can you withdraw from your pe...Fri, 22 May 2026 12:17:10 +0000https://pujavs-firm-stud.gluu.info/can-you-deduct-401k-and-traditional-ira.htmlhttps://pujavs-firm-stud.gluu.info/can-you-deduct-401k-and-traditional-ira.htmlYes, you can have both accounts and many people do. The traditional individual retirement account (IRA) and 401(k) provide the benefit of tax-deferred savings for retirement. Depending on your tax situation, you may also be able to receive a tax deduction for the amount you contribute to a 401(k) an...Fri, 22 May 2026 12:15:04 +0000https://pujavs-firm-stud.gluu.info/what-is-a-term-position-in-the-government.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-term-position-in-the-government.htmlA Term appointment is a non-status appointment to a position in the competitive service, made for a specified period of time exceeding 1 year and lasting not more than 4 years. What is a term employment? Term Employee means an employee hired for a specific term of employment. The term of employment ...Fri, 22 May 2026 12:13:18 +0000https://pujavs-firm-stud.gluu.info/does-residency-count-as-active-duty.htmlhttps://pujavs-firm-stud.gluu.info/does-residency-count-as-active-duty.htmlWhat are the differences between military and civilian residencies? In a military residency, you are on Active Duty while undergoing your residency training. Your time counts toward promotion, pay longevity and retirement. If you are a civilian resident, your civilian facility pays your salary. Do m...Fri, 22 May 2026 12:07:34 +0000https://pujavs-firm-stud.gluu.info/is-the-building-insured-against-fire.htmlhttps://pujavs-firm-stud.gluu.info/is-the-building-insured-against-fire.htmlAns: Your building may get damaged due to fire or other perils and the losses will not be covered by a general insurance policy. For that, you’ll need a fire insurance that will cover the damages sustained by the building. Can an insurance agent fire a client? Despite the fact that an agency has a r...Fri, 22 May 2026 12:04:57 +0000https://pujavs-firm-stud.gluu.info/can-irs-calls-be-recorded.htmlhttps://pujavs-firm-stud.gluu.info/can-irs-calls-be-recorded.htmlWith the implementation of call recording at all IRS call sites, all incoming toll-free telephone calls will be recorded at each site. Therefore, if a call is transferred from one site to another, the portion of the call after being transferred will be captured and recorded at the destination site. ...Fri, 22 May 2026 12:02:43 +0000https://pujavs-firm-stud.gluu.info/are-visa-expenses-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/are-visa-expenses-tax-deductible.htmlThe costs of the visa in not tax deductible as they must be directly related to earning assessable income. The costs are considered private in nature and not deductible. Are credit card expenses tax deductible? Credit card fees are not deductible for individuals and are deductible for businesses. Bu...Fri, 22 May 2026 11:56:10 +0000https://pujavs-firm-stud.gluu.info/how-can-siblings-help-with-aging-parents.htmlhttps://pujavs-firm-stud.gluu.info/how-can-siblings-help-with-aging-parents.htmlIf you’re the nearby sibling, ask your long-distance siblings to help with research or paperwork, contribute financially, or come for a visit and take over the caregiving so you can take a short break. When siblings aren’t there to witness daily life, they often don’t understand how much the caregiv...Fri, 22 May 2026 11:50:58 +0000https://pujavs-firm-stud.gluu.info/how-do-settlement-negotiations-work.htmlhttps://pujavs-firm-stud.gluu.info/how-do-settlement-negotiations-work.htmlSettlement negotiations occur during mediation. Plaintiffs, defendants, and their attorneys gather outside of the courtroom to talk through the issues and try to agree on a monetary value. If the parties agree to a settlement negotiation, the parties will sign the agreement, and it will act like a c...Fri, 22 May 2026 11:50:51 +0000https://pujavs-firm-stud.gluu.info/do-banks-usually-negotiate-on-foreclosures.htmlhttps://pujavs-firm-stud.gluu.info/do-banks-usually-negotiate-on-foreclosures.htmlBanks are willing to negotiate foreclosures because they are losing money on the property when it sits vacant. Banks can negotiate directly with buyers without the assistance of a real estate agent. Because they own the property, banks can set the price for any value they deem acceptable. How do you...Fri, 22 May 2026 11:49:43 +0000https://pujavs-firm-stud.gluu.info/can-a-us-citizen-open-a-company-in-uk.htmlhttps://pujavs-firm-stud.gluu.info/can-a-us-citizen-open-a-company-in-uk.htmlYes. It may come as a surprise, but anyone of any nationality can start a business in the UK. You don’t need residential status or even to be living in the country. The only stipulation is that the company must be registered to a UK address. Can a non-UK resident set up a UK company? Company registr...Fri, 22 May 2026 11:49:23 +0000https://pujavs-firm-stud.gluu.info/how-much-does-an-accountant-cost-for-advice.htmlhttps://pujavs-firm-stud.gluu.info/how-much-does-an-accountant-cost-for-advice.htmlThe cost to hire an accountant varies slightly by state and territory. On average, personal tax services cost about $35 per hour in New South Wales. The average cost in other states is generally between $40 – $70 per hour. What should I talk about with my accountant? Here are the 6 questions you mus...Fri, 22 May 2026 11:42:01 +0000https://pujavs-firm-stud.gluu.info/how-are-receivables-reported-on-the-balance-sheet.htmlhttps://pujavs-firm-stud.gluu.info/how-are-receivables-reported-on-the-balance-sheet.htmlReceivables are created by extending a line of credit to customers and are reported as current assets on a company’s balance sheet. They are considered a liquid asset, because they can be used as collateral to secure a loan to help meet short-term obligations. Receivables are part of a company’s wor...Fri, 22 May 2026 11:36:19 +0000https://pujavs-firm-stud.gluu.info/what-to-do-after-being-laid-off.htmlhttps://pujavs-firm-stud.gluu.info/what-to-do-after-being-laid-off.htmlRequest a ‘Laid-Off Letter’ from Human Resources. Inquire About Your Health Insurance Benefit. Collect — Or Check On — Your Final Paycheck. Review Your 401(k) and/or Pension Plans. Investigate a Severance Package. Register for Unemployment. Put the Internet to Work for You. Reinvigorate Your ...Fri, 22 May 2026 11:33:43 +0000https://pujavs-firm-stud.gluu.info/what-are-the-8-types-of-computer-attacks.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-8-types-of-computer-attacks.htmlThe 8 most common types of cyber attacks explained Phishing & Social Engineering Attacks. Password Attacks & Credential Reuse. Denial-of-Service Attacks. Man-in-the-Middle (MitM) SQL Injections. Zero-day Exploit. Cross-site Scripting (XSS) Drive-by-downloads. What are the different ty...Fri, 22 May 2026 11:29:09 +0000https://pujavs-firm-stud.gluu.info/does-turbotax-do-1041-returns.htmlhttps://pujavs-firm-stud.gluu.info/does-turbotax-do-1041-returns.htmlIf you need to prepare a federal tax return for an estate or trust using Form 1041, use our TurboTax Business product. You’ll also need to use one of our personal tax products for your individual tax return. How much does it cost to file Form 1041? The current exemption amount on a Form 1041 is $600...Fri, 22 May 2026 11:28:51 +0000https://pujavs-firm-stud.gluu.info/when-were-the-first-old-pensions-paid.htmlhttps://pujavs-firm-stud.gluu.info/when-were-the-first-old-pensions-paid.html1908 1908 The Old Age Pensions Act introduced a pension of between 10p and 25p per week to people aged 70 or over. This came into effect on January 1st 1909, which is known as Pensions Day. You could only receive this pension if you were deemed of “good character”. Is state pension paid on the same ...Fri, 22 May 2026 11:23:08 +0000https://pujavs-firm-stud.gluu.info/where-can-i-find-treasury-regulations.htmlhttps://pujavs-firm-stud.gluu.info/where-can-i-find-treasury-regulations.htmlFinding Treasury Regulations Find temporary and final treasury regulations arranged by topic in Title 26 of the Code of Federal Regulations. To find proposed regulations, use the Federal Register (which publishes all three types of regulations and is arranged chronologically by publication date). Wh...Fri, 22 May 2026 11:21:15 +0000https://pujavs-firm-stud.gluu.info/what-is-annual-report-delaware.htmlhttps://pujavs-firm-stud.gluu.info/what-is-annual-report-delaware.htmlA Delaware annual report is a document that contains specific business information. The Delaware annual report is a form that is submitted at the time of payment of the Delaware franchise tax. The information required by a Delaware annual report is: The address of the corporation’s physical location...Fri, 22 May 2026 11:19:32 +0000https://pujavs-firm-stud.gluu.info/can-i-file-an-amended-1040x-online.htmlhttps://pujavs-firm-stud.gluu.info/can-i-file-an-amended-1040x-online.htmlCan I file an amended Form 1040-X electronically? You can now submit the Form 1040-X, Amended U.S. Individual Income Tax Return electronically using available tax software products. Only tax year 2019 Forms 1040 and 1040-SR returns can be amended electronically. Can you amend a 1040x? If you didn’t ...Fri, 22 May 2026 11:08:21 +0000https://pujavs-firm-stud.gluu.info/what-are-the-main-shipping-companies.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-main-shipping-companies.html10 Biggest Shipping Companies #1 A. P. Møller – Mærsk A/S (AMKBY) #2 Nippon Yusen Kabushiki Kaisha (NPNYY) #3 COSCO SHIPPING Holdings Co. Ltd. (CICOF) #4 Mitsui O.S.K. Lines Ltd. (MSLOY) #5 Hapag-Lloyd AG (HPGLY) #6 Kawasaki Kisen Kaisha Ltd. (KAIKY) #7 Orient Overseas International Ltd. (OROVF) #8 ...Fri, 22 May 2026 11:08:09 +0000https://pujavs-firm-stud.gluu.info/how-can-you-reduce-the-risk-of-options-trading.htmlhttps://pujavs-firm-stud.gluu.info/how-can-you-reduce-the-risk-of-options-trading.htmlOptions contracts can be used to minimize risk through hedging strategies that increase in value when the investments you are protecting fall. Options can also be used to leverage directional plays with less potential loss than owning the outright stock position. How do you minimize losses in option...Fri, 22 May 2026 11:07:59 +0000https://pujavs-firm-stud.gluu.info/how-personal-taxes-are-calculated.htmlhttps://pujavs-firm-stud.gluu.info/how-personal-taxes-are-calculated.htmlHow Income Taxes Are Calculated. First, we calculate your adjusted gross income (AGI) by taking your total household income and reducing it by certain items such as contributions to your 401(k). Next, from AGI we subtract exemptions and deductions (either itemized or standard) to get your taxable in...Fri, 22 May 2026 11:07:37 +0000https://pujavs-firm-stud.gluu.info/how-much-should-paycheck-be-withheld.htmlhttps://pujavs-firm-stud.gluu.info/how-much-should-paycheck-be-withheld.html6.2% If you earn at least a specified amount for at least 40 quarters, you can get Social Security benefits when you retire. Each employer withholds 6.2% of your gross income for Social Security up to income of $132,900 for 2019. And $137,700 for 2020. Your employer must pay 6.2% for you that doesn’...Fri, 22 May 2026 11:06:22 +0000https://pujavs-firm-stud.gluu.info/are-pet-rescue-fees-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/are-pet-rescue-fees-tax-deductible.htmlAdoption fees to an animal rescue shelter are not tax deductible. However, an unrelated donation would be deductible. Expenses you incur while caring for your foster pets – such as pet food, supplies, transportation and veterinary bills – are deductible net of any reimbursements. Can you write off e...Fri, 22 May 2026 10:52:43 +0000https://pujavs-firm-stud.gluu.info/are-wages-still-being-garnished-for-student-loans.htmlhttps://pujavs-firm-stud.gluu.info/are-wages-still-being-garnished-for-student-loans.htmlFederal student loan wage garnishment occurs when your employer deducts a portion of your pay to repay your student loan after it defaults. Know that as part of federal Covid-19 relief programs, all federal student loan wage garnishments have stopped until at least Sept. 30, 2021. What can wages be ...Fri, 22 May 2026 10:46:11 +0000