https://pujavs-firm-stud.gluu.infoConnected.Informed.Engaged.en-usFri, 17 Apr 2026 02:26:25 +0000https://pujavs-firm-stud.gluu.info/can-i-count-my-mother-as-a-dependent.htmlhttps://pujavs-firm-stud.gluu.info/can-i-count-my-mother-as-a-dependent.htmlYou must have provided more than half of your parent’s support during the tax year in order to claim them as a dependent. The amount of support you provided must also exceed your parent’s income by at least one dollar. How do I count my dependents? First and foremost, a dependent is someone you supp...Fri, 17 Apr 2026 02:06:38 +0000https://pujavs-firm-stud.gluu.info/what-does-a-promissory-note-contains.htmlhttps://pujavs-firm-stud.gluu.info/what-does-a-promissory-note-contains.htmlA promissory note typically contains all the terms pertaining to the indebtedness, such as the principal amount, interest rate, maturity date, date and place of issuance, and issuer’s signature. Can a promissory note be verbal? While a promissory note is not required, in order for a promissory note ...Fri, 17 Apr 2026 02:01:11 +0000https://pujavs-firm-stud.gluu.info/who-do-i-call-about-my-401k-withdrawal.htmlhttps://pujavs-firm-stud.gluu.info/who-do-i-call-about-my-401k-withdrawal.htmlCall 800-FIDELITY or 800-343-3548. Contact us to determine which retirement options would work best for you. I have a specific question about my 401(k) plan. How do I clear my 401k after leaving my job? Cashing Out a 401(k) in the Event of Job Termination You just need to contact the administrator o...Fri, 17 Apr 2026 02:00:35 +0000https://pujavs-firm-stud.gluu.info/is-state-return-included-in-turbotax.htmlhttps://pujavs-firm-stud.gluu.info/is-state-return-included-in-turbotax.htmlTurboTax Online offers the convenience of preparing and e-filing your tax return from virtually any computer or mobile device with Internet access. TurboTax Online includes federal and state e-filing. About 75% of our customers choose this version. What can you claim on your taxes for a college stud...Fri, 17 Apr 2026 01:56:31 +0000https://pujavs-firm-stud.gluu.info/does-amazon-collect-and-remit-sales-tax-in-texas.htmlhttps://pujavs-firm-stud.gluu.info/does-amazon-collect-and-remit-sales-tax-in-texas.htmlAmazon is now collecting and remitting sales tax to the State of Texas, which has been in place since October. Do I need a sales tax permit in Texas to sell on eBay? Texas has passed a law requiring Marketplaces to collect and remit sales tax on sales facilitated through the marketplace effective Oc...Fri, 17 Apr 2026 01:37:59 +0000https://pujavs-firm-stud.gluu.info/can-i-deposit-a-check-with-a-company-name.htmlhttps://pujavs-firm-stud.gluu.info/can-i-deposit-a-check-with-a-company-name.htmlSmall business owners, usually sole proprietors or side businesses, can deposit a check payable to their personal name in a personal checking or savings account. Banks accept these official business documents and may accept checks written to the business name for deposit. Do business checks need a n...Fri, 17 Apr 2026 01:37:00 +0000https://pujavs-firm-stud.gluu.info/how-do-i-transfer-from-s-corp-to-c-corp.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-transfer-from-s-corp-to-c-corp.htmlThe IRS does not offer a standard form for changing your company’s tax status from S corporation to C corporation. Instead, it simply requires a written statement be filed with the appropriate IRS service center, along with a consent signed by a majority (more than 50%) of your corporation’s shareho...Fri, 17 Apr 2026 01:36:49 +0000https://pujavs-firm-stud.gluu.info/can-you-claim-tuition-paid-by-employer.htmlhttps://pujavs-firm-stud.gluu.info/can-you-claim-tuition-paid-by-employer.htmlTuition credit eligibility If your employer pays or reimburses you without including that amount in your pay, you can’t claim the credit. As of 2018, Ontario and Saskatchewan no longer have a tuition credit, and Alberta will eliminate the credit as of 2020. Can I deduct tuition paid to a foreign uni...Fri, 17 Apr 2026 01:27:47 +0000https://pujavs-firm-stud.gluu.info/what-type-of-real-estate-is-land.htmlhttps://pujavs-firm-stud.gluu.info/what-type-of-real-estate-is-land.htmlReal estate is a class of “real property” that includes land and anything permanently attached to it, whether natural or man-made. There are five main categories of real estate: residential, commercial, industrial, raw land, and special use. Does a house count as land? What constitutes your land in ...Fri, 17 Apr 2026 01:26:48 +0000https://pujavs-firm-stud.gluu.info/can-small-business-owners-go-on-vacation.htmlhttps://pujavs-firm-stud.gluu.info/can-small-business-owners-go-on-vacation.htmlTaking a vacation as a small business owner requires diligent planning and forethought, but it is possible. And, not only is it possible – it is important for your health, and it sends a strong message to your employees. Do small businesses offer paid time off? According to the United States Departm...Fri, 17 Apr 2026 01:24:00 +0000https://pujavs-firm-stud.gluu.info/what-happens-when-someone-gives-up-their-us-citizenship.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-when-someone-gives-up-their-us-citizenship.htmlYou will no longer be an American citizen if you voluntarily give up (renounce) your U.S. citizenship. You might lose your U.S. citizenship in specific cases, including if you: Run for public office in a foreign country (under certain conditions) Commit an act of treason against the United States. W...Fri, 17 Apr 2026 01:16:40 +0000https://pujavs-firm-stud.gluu.info/can-i-create-my-own-1099-misc.htmlhttps://pujavs-firm-stud.gluu.info/can-i-create-my-own-1099-misc.htmlFollow these steps to prepare and file a Form 1099: Obtain a blank 1099 form (which is printed on special paper) from the IRS or an office supply store. Fill out the 1099. Each Form 1099 comes with 5 copies, so make sure to write or type on the top copy so it transfers down onto each copy, like carb...Fri, 17 Apr 2026 01:16:29 +0000https://pujavs-firm-stud.gluu.info/what-is-a-second-mortgage-in-real-estate.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-second-mortgage-in-real-estate.htmlA second mortgage or junior-lien is a loan you take out using your house as collateral while you still have another loan secured by your house. Home equity loans and home equity lines of credit (HELOCs) are common examples of second mortgages. Are second mortgages legal? When it comes to mortgages a...Fri, 17 Apr 2026 01:11:05 +0000https://pujavs-firm-stud.gluu.info/can-you-do-a-roth-conversion-with-no-income.htmlhttps://pujavs-firm-stud.gluu.info/can-you-do-a-roth-conversion-with-no-income.htmlThere’s no age limit or income requirement to be able to convert a traditional IRA to a Roth. You must pay taxes on the amount converted, although part of the conversion will be tax-free if you have made nondeductible contributions to your traditional IRA. Do you have to do a Roth conversion every y...Fri, 17 Apr 2026 01:10:32 +0000https://pujavs-firm-stud.gluu.info/why-are-large-portion-sizes-bad.htmlhttps://pujavs-firm-stud.gluu.info/why-are-large-portion-sizes-bad.htmlThe problem with expanding portion sizes is that we seem ill-equipped to say “enough” and to stop. Larger portions lead to greater consumption even across conditions of bad food, where the portion size is not visible, and among people who should know better. Why are portion sizes becoming larger? Th...Fri, 17 Apr 2026 01:06:10 +0000https://pujavs-firm-stud.gluu.info/what-does-multiplier-effect-mean.htmlhttps://pujavs-firm-stud.gluu.info/what-does-multiplier-effect-mean.htmlThe multiplier effect refers to the proportional amount of increase, or decrease, in final income that results from an injection, or withdrawal, of spending. Money supply multiplier, or just the money multiplier, looks at a multiplier effect from the perspective of banking and money supply. How does...Fri, 17 Apr 2026 00:56:03 +0000https://pujavs-firm-stud.gluu.info/can-i-get-a-separate-ein-for-my-dba.htmlhttps://pujavs-firm-stud.gluu.info/can-i-get-a-separate-ein-for-my-dba.htmlEINS for Sole Proprietorships The IRS does not require that a sole proprietorship obtain a EIN, whether it has a DBA or not. You can instead use your Social Security number when you file your taxes. However, it can be a good idea to get an EIN so that you keep your business and personal affairs sepa...Fri, 17 Apr 2026 00:52:53 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-someone-dies-during-house-sale.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-someone-dies-during-house-sale.htmlIf the seller dies between exchange of contracts and completion of the transaction, the contract remains valid and the benefit and burden will pass to the seller’s Personal Representatives (Executors if the seller made a Will or Administrators if the seller died intestate i.e. without a Will). What ...Fri, 17 Apr 2026 00:48:44 +0000https://pujavs-firm-stud.gluu.info/can-you-make-a-living-owning-a-food-truck.htmlhttps://pujavs-firm-stud.gluu.info/can-you-make-a-living-owning-a-food-truck.htmlStarting and keeping a food truck running isn’t cheap. There are licensing and ongoing maintenance costs to consider. If an entrepreneur can carve out a niche in the right market, though, making a good living with a food truck is certainly doable. Are food trucks profitable in 2020? Key Findings: Fo...Fri, 17 Apr 2026 00:48:40 +0000https://pujavs-firm-stud.gluu.info/how-do-i-gift-my-car-to-my-granddaughter.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-gift-my-car-to-my-granddaughter.htmlHow to Give a Car Away to a Family Member Make sure any financing on the car has been paid off so the bank or loan company can give you the title to the car, if you haven’t received it already. Sign your title over to the immediate family member. Fill out the title completely. Take out insurance ...Fri, 17 Apr 2026 00:44:53 +0000https://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-cash-out-an-inherited-ira.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-cash-out-an-inherited-ira.htmlIf nonspouse beneficiaries don’t start taking withdrawals by December 31 of the year after the IRA owner dies, then they must withdraw all of the money in the account within five years. How are inherited IRAS paid out? If you inherit a Roth IRA that was funded for 5 years or more prior to the death ...Fri, 17 Apr 2026 00:26:59 +0000https://pujavs-firm-stud.gluu.info/can-you-do-a-wire-transfer-after-hours.htmlhttps://pujavs-firm-stud.gluu.info/can-you-do-a-wire-transfer-after-hours.htmlDomestic wire transfer: Due to EFAA regulations, most bank-to-bank wire transfers between accounts in the U.S. are completed within 24 hours. Some banks make wired funds available to recipients immediately, especially on transfers between accounts at the same institution. How can I wire money fast? ...Fri, 17 Apr 2026 00:22:57 +0000https://pujavs-firm-stud.gluu.info/how-do-i-find-my-delaware-file-number.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-find-my-delaware-file-number.htmlThe Delaware file number can be located in several different places. You can find it on the cover letter we send with your approved company documents and on your receipt. The state will stamp it in the margin of your filed Certificate of Formation or Certificate of Incorporation. Do Delaware LLCs ha...Fri, 17 Apr 2026 00:14:36 +0000https://pujavs-firm-stud.gluu.info/can-two-friends-share-an-ownership-of-a-house.htmlhttps://pujavs-firm-stud.gluu.info/can-two-friends-share-an-ownership-of-a-house.htmlCo-buying is when two or more people purchase a property and agree to share ownership. This can be a partnership between a couple, relatives, close friends or even a company. To share ownership, you’ll need to decide how you will take and hold title to the home. Yes. Many lenders allow two families ...Fri, 17 Apr 2026 00:13:45 +0000https://pujavs-firm-stud.gluu.info/are-there-actually-2-property-brothers.htmlhttps://pujavs-firm-stud.gluu.info/are-there-actually-2-property-brothers.htmlThe series features twin brothers Drew Scott and Jonathan Scott. Drew is a real estate expert who scouts neglected houses and negotiates their purchases. The show has aired in over 150 countries, including on the W Network in Canada and on HGTV in the United States. How much do the property brothers...Fri, 17 Apr 2026 00:10:22 +0000https://pujavs-firm-stud.gluu.info/is-it-a-good-idea-to-collect-social-security-at-62.htmlhttps://pujavs-firm-stud.gluu.info/is-it-a-good-idea-to-collect-social-security-at-62.htmlIf you start taking Social Security at age 62, rather than waiting until your full retirement age (FRA), you can expect up to a 30% reduction in monthly benefits with lesser reductions as you approach FRA. Waiting to claim your Social Security benefit will result in a higher benefit. Does everyone o...Thu, 16 Apr 2026 23:57:36 +0000https://pujavs-firm-stud.gluu.info/how-much-severance-do-you-get-if-fired.htmlhttps://pujavs-firm-stud.gluu.info/how-much-severance-do-you-get-if-fired.htmlAt ninety days of employment, the employer must either give one weeks’ notice of termination or pay one weeks’ wages as severance pay. At one year of service, the employee is entitled to two weeks’ notice or pay. Each additional year of service adds an extra week or notice or pay up to a maximum of ...Thu, 16 Apr 2026 23:54:17 +0000https://pujavs-firm-stud.gluu.info/how-do-you-classify-employee-benefits.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-classify-employee-benefits.htmlBenefits are any perks offered to employees in addition to salary. The most common benefits are medical, disability, and life insurance; retirement benefits; paid time off; and fringe benefits. How do you write an employee check? The check should include the company name, check number, check date, n...Thu, 16 Apr 2026 23:50:27 +0000https://pujavs-firm-stud.gluu.info/what-is-toxic-mother-syndrome.htmlhttps://pujavs-firm-stud.gluu.info/what-is-toxic-mother-syndrome.html“Toxic parent” is an umbrella term for parents who display some or all of the following characteristics: Self-centered behaviors. Your parent may be emotionally unavailable, narcissistic, or perhaps uncaring when it comes to things that you need. Is it OK to cut your mother out of your life? Cutting...Thu, 16 Apr 2026 23:30:26 +0000https://pujavs-firm-stud.gluu.info/can-foreigners-buy-property-in-usa-with-cash.htmlhttps://pujavs-firm-stud.gluu.info/can-foreigners-buy-property-in-usa-with-cash.htmlWhile foreigners can buy property in the US, the easiest way to purchase your home if you are a foreigner is to pay the full price in cash. If you need financing (a mortgage), you will have to meet certain financing requirements. Can you buy a condo in cash? You can purchase real estate with cash an...Thu, 16 Apr 2026 23:20:38 +0000https://pujavs-firm-stud.gluu.info/how-much-do-actors-get-paid-for-independent-films.htmlhttps://pujavs-firm-stud.gluu.info/how-much-do-actors-get-paid-for-independent-films.htmlMost indie films fall into the low-budget category, between $700,000 and $2.5 million. The daily rate for low-budget actors is $630 while weekly SAG minimum pay is $2,130. If the director uses non-union actors as well, they receive the same rates. How much do actors get paid for no budget film? In 2...Thu, 16 Apr 2026 23:18:13 +0000https://pujavs-firm-stud.gluu.info/are-there-any-government-rebates.htmlhttps://pujavs-firm-stud.gluu.info/are-there-any-government-rebates.htmlThe NSW Government has announced their Empowering Homes program – a scheme which will provide interest-free loans for solar-battery systems to eligible NSW residents. Eligible households can also claim an interest-free loan equivalent to the amount of the rebate until 30 June 2021. How does governme...Thu, 16 Apr 2026 23:16:54 +0000https://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-close-an-s-corp.htmlhttps://pujavs-firm-stud.gluu.info/how-long-does-it-take-to-close-an-s-corp.htmlIn most cases, a business with at least 100 employees must give them sufficient notice that it’s dissolving; the typical time frame is a minimum 60 calendar days advance notice, no matter what type of business you run. It can take the SOS at least eight weeks to process your filings, but processing ...Thu, 16 Apr 2026 23:10:19 +0000https://pujavs-firm-stud.gluu.info/do-i-need-to-report-my-rental-income.htmlhttps://pujavs-firm-stud.gluu.info/do-i-need-to-report-my-rental-income.htmlYou must include all rent and rent-related income you receive in your tax return – whether paid to you or your agent. Rent and rent-related income is any payment – cash or otherwise – that you get when you rent out your property. In most cases, a taxpayer must report all rental income on their tax r...Thu, 16 Apr 2026 23:06:31 +0000https://pujavs-firm-stud.gluu.info/does-mileage-deduction-include-tolls.htmlhttps://pujavs-firm-stud.gluu.info/does-mileage-deduction-include-tolls.htmlThe mileage rates do not include the cost of parking and tolls. The mileage rates do not vary by geography. Taxpayers cannot deduct personal use of a vehicle. What do employers pay for mileage? 58 cents per mile for business miles driven, up 3.5 cents from 2018. 20 cents per mile driven for medical ...Thu, 16 Apr 2026 23:01:33 +0000https://pujavs-firm-stud.gluu.info/is-california-turf-rebate-taxable.htmlhttps://pujavs-firm-stud.gluu.info/is-california-turf-rebate-taxable.htmlAm I required to pay a tax on my rebate? The state of California has made it clear that water conservation rebates are not taxable. However, current federal IRS tax rules are not clear. Then in January of each year CCWD will issue 1099 forms to those customers that received $600 or more in rebates. ...Thu, 16 Apr 2026 23:00:43 +0000https://pujavs-firm-stud.gluu.info/can-you-write-off-child-care-as-a-business-expense.htmlhttps://pujavs-firm-stud.gluu.info/can-you-write-off-child-care-as-a-business-expense.htmlLine 21400 Child Care Expenses. Child care costs are not claimed as a non-refundable tax credit, but as a deduction from income on the personal tax return. A non-refundable tax credit is always at the lowest tax rate (except in Quebec), but a reduction of income would save tax at the taxpayer’s marg...Thu, 16 Apr 2026 22:59:24 +0000https://pujavs-firm-stud.gluu.info/what-is-wholly-owned-foreign-subsidiary.htmlhttps://pujavs-firm-stud.gluu.info/what-is-wholly-owned-foreign-subsidiary.htmlWholly owned subsidiary of foreign Company It is a company incorporated under the provisions of the companies Act, 2013 and in which the foreign company holds 100% of the total share capital of such company. Is wholly owned subsidiary FDI? Wholly-owned subsidiaries, in contrast, represent full owner...Thu, 16 Apr 2026 22:57:59 +0000https://pujavs-firm-stud.gluu.info/can-i-get-british-citizenship-through-my-child.htmlhttps://pujavs-firm-stud.gluu.info/can-i-get-british-citizenship-through-my-child.htmlA child may also be British by descent. That means they were born outside of the UK, but may have acquired the right to British citizenship through their parents. In these circumstances, the child will need to have been registered as a British citizen (this is the equivalent of naturalisation for ad...Thu, 16 Apr 2026 22:51:14 +0000https://pujavs-firm-stud.gluu.info/how-do-i-fill-out-a-w4-if-i-have-less-taxes-taken-out.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-fill-out-a-w4-if-i-have-less-taxes-taken-out.htmlTo declare you’re exempt from federal income taxes, you’ll write the word “exempt” on line 7 of your W-4 form. You’ll still have Social Security, Medicare and any state or local taxes taken out as usual. How do I withhold my less w4 2020? If they want to reduce their withholding, they must claim dep...Thu, 16 Apr 2026 22:25:22 +0000https://pujavs-firm-stud.gluu.info/how-do-you-write-on-a-form-sent-by-email.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-write-on-a-form-sent-by-email.htmlClick once on the file name and once on the “Open” button. Reference the PDF form or the reason for which you are sending it in the subject line, and type any necessary message in the body of the email. Click once on the “Send” button when you are ready to send the email and completed form. How do I...Thu, 16 Apr 2026 22:24:27 +0000https://pujavs-firm-stud.gluu.info/what-does-recharacterization-mean.htmlhttps://pujavs-firm-stud.gluu.info/what-does-recharacterization-mean.htmlA recharacterization is the reversal of an IRA conversion, such as from a Roth IRA back to a traditional IRA, generally to achieve better tax treatment. The strategy of recharacterizing from a Roth back to a traditional IRA was banned by the Tax Cuts and Jobs Act of 2017. What does recharacterizatio...Thu, 16 Apr 2026 22:20:47 +0000https://pujavs-firm-stud.gluu.info/is-an-sba-loan-personally-guaranteed.htmlhttps://pujavs-firm-stud.gluu.info/is-an-sba-loan-personally-guaranteed.htmlSBA loans require a personal guarantee from anyone who owns 20% or more of the business applying for the loan. When you sign an SBA loan personal guarantee, you authorize the lender to seize any of your personal assets to repay the loan, if your business assets aren’t sufficient to cover loan paymen...Thu, 16 Apr 2026 22:18:54 +0000https://pujavs-firm-stud.gluu.info/can-a-business-loan-be-deposited-into-a-personal-account.htmlhttps://pujavs-firm-stud.gluu.info/can-a-business-loan-be-deposited-into-a-personal-account.htmlThe SBA has warned that depositing federal loan funds into a personal bank account is considered to be a strong indicator for fraud, and it has urged banks to scrutinize PPP loan recipients who deposited their loans into personal accounts. Do loans get deposited into your account? Once your loan is ...Thu, 16 Apr 2026 22:05:38 +0000https://pujavs-firm-stud.gluu.info/how-do-i-remove-myself-from-irs-poa.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-remove-myself-from-irs-poa.htmlIf you want to revoke a previously executed power of attorney and do not want to name a new representative, you must write “REVOKE” across the top of the first page with a current signature and date below this annotation. Does IRS Form 2848 expire? The instructions to Form 2848 provide additional st...Thu, 16 Apr 2026 22:04:43 +0000https://pujavs-firm-stud.gluu.info/how-do-you-teach-students-to-read-and-follow-directions.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-teach-students-to-read-and-follow-directions.htmlIt can be exhausting, for sure, so here are some tips to help kids listen to your directions and follow them the first time: Speak up and say exactly what you need. Use a magic word so students don’t move or talk until you’re done giving directions. Have students repeat directions back to you. Wha...Thu, 16 Apr 2026 22:04:09 +0000https://pujavs-firm-stud.gluu.info/what-is-the-distance-test-for-moving-expenses.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-distance-test-for-moving-expenses.htmlThe distance between your new job and your former home must be at least 50 miles farther than your previous employer is from that home. For example, if your previous commute to work was five miles each way, then the distance from your new job location to your old home must be at least 55 miles. What...Thu, 16 Apr 2026 21:51:04 +0000https://pujavs-firm-stud.gluu.info/can-an-s-corp-purchase-treasury-stock.htmlhttps://pujavs-firm-stud.gluu.info/can-an-s-corp-purchase-treasury-stock.htmlSince the treasury stock is owned by the S-corp, it does not violate the one class rule. Therefore, so long as the state permits a corporation to hold treasury stock, an S-corp can as well. Does treasury stock reduce S Corp basis? S corporations are not taxed for owning treasury stock because there ...Thu, 16 Apr 2026 21:46:47 +0000https://pujavs-firm-stud.gluu.info/what-are-research-issues.htmlhttps://pujavs-firm-stud.gluu.info/what-are-research-issues.htmlIssue definition, or framing, refers to the careful use of language or other symbols in public discourse. As such, framing is an important construct in the measurement and understanding of public opinion. What is research problem in research methodology? Research Problem – It refers to some difficul...Thu, 16 Apr 2026 21:45:24 +0000https://pujavs-firm-stud.gluu.info/why-are-you-interested-in-a-caregiver-position.htmlhttps://pujavs-firm-stud.gluu.info/why-are-you-interested-in-a-caregiver-position.htmlGood Reasons for Considering Caregiving Jobs. You enjoy working with people and most enjoy jobs where you have one-on-one interaction with others. You enjoyed taking care of elder family members and would like to help others in this way. You like doing work that has the potential to make a differenc...Thu, 16 Apr 2026 21:43:55 +0000https://pujavs-firm-stud.gluu.info/how-much-do-you-get-for-social-security-at-age-67.htmlhttps://pujavs-firm-stud.gluu.info/how-much-do-you-get-for-social-security-at-age-67.htmlIf you start receiving retirement benefits at age: 67, you’ll get 108 percent of the monthly benefit because you delayed getting benefits for 12 months. 70, you’ll get 132 percent of the monthly benefit because you delayed getting benefits for 48 months. How much does Social Security increase each m...Thu, 16 Apr 2026 21:40:55 +0000https://pujavs-firm-stud.gluu.info/can-an-llc-buy-a-whole-life-insurance-policy.htmlhttps://pujavs-firm-stud.gluu.info/can-an-llc-buy-a-whole-life-insurance-policy.htmlUnder this approach, the business owners would still execute a cross-purchase agreement, but would form an LLC to own a life insurance policy on the life of each owner. However, by using an LLC to own the buy-sell insurance, the LLC owns all the policies, so only one policy per shareholder is needed...Thu, 16 Apr 2026 21:34:00 +0000https://pujavs-firm-stud.gluu.info/are-contributions-to-a-501-c-7-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/are-contributions-to-a-501-c-7-tax-deductible.htmlDonations or dues paid to Section 501(c)(7) corporations are not tax-deductible. How do I apply for a 501 C 7 status? Section 501(c)(7) organizations do not need to apply for this status with the IRS; they just need to file an annual Form 990 to identify themselves as a social club. Formal applicati...Thu, 16 Apr 2026 21:30:04 +0000https://pujavs-firm-stud.gluu.info/how-can-i-use-my-credit-to-make-money.htmlhttps://pujavs-firm-stud.gluu.info/how-can-i-use-my-credit-to-make-money.html7 inventive ways to make money using your credit card GET MONEY WITH CASH-BACK CREDIT CARDS. EARN BONUS REWARDS POINTS. INVEST YOUR CASH BACK. SELL YOUR REWARDS POINTS – BUT BE CAREFUL. DO YOUR SHOPPING ONLINE. JOIN ACORNS AND LINK A CREDIT CARD. GET CREATIVE WITH EXPIRED CREDIT CARDS. Is using cred...Thu, 16 Apr 2026 21:08:04 +0000https://pujavs-firm-stud.gluu.info/what-is-the-deadline-for-a-corporation-to-file-a-tax-return.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-deadline-for-a-corporation-to-file-a-tax-return.htmlApril 15, 2021 Companies have until April 15, 2021 to submit corporate tax returns for income received in 2020. Businesses may use Form 1120 or request a six-month extension by filing Form 7004 and submitting a deposit for the amount of estimated tax owed. What is the due date for 2020 calendar year...Thu, 16 Apr 2026 21:05:57 +0000https://pujavs-firm-stud.gluu.info/does-section-1244-apply-to-llcs.htmlhttps://pujavs-firm-stud.gluu.info/does-section-1244-apply-to-llcs.htmlUnder IRC Sec. 1244, losses on the sale or worthlessness of stock in certain C and S corporations are treated, to a certain extent, as ordinary losses. Because LLCs are not corporations under Federal tax law and because they do not issue stock, they have nothing comparable to Sec. 1244 stock. Can th...Thu, 16 Apr 2026 21:04:01 +0000https://pujavs-firm-stud.gluu.info/is-rental-income-from-primary-residence-taxable.htmlhttps://pujavs-firm-stud.gluu.info/is-rental-income-from-primary-residence-taxable.htmlYes, you have to report this income. If you collect rent from someone who lives in a property that you own – even if it’s just a room in your house – you’re considered a landlord and must report the rent you receive as taxable income. Residents are taxed on all rental income regardless of where the ...Thu, 16 Apr 2026 21:00:59 +0000https://pujavs-firm-stud.gluu.info/what-benefits-can-a-74-year-old-claim.htmlhttps://pujavs-firm-stud.gluu.info/what-benefits-can-a-74-year-old-claim.htmlHere are some of the benefits for pensioners and older people for which you may be eligible: Pension Credit. Cold Weather Payment. Winter Fuel Payment. Disability Living Allowance. Personal Independence Payment. Carer’s Allowance. Attendance Allowance. Bereavement Support Payment. What are ov...Thu, 16 Apr 2026 20:55:17 +0000https://pujavs-firm-stud.gluu.info/can-an-employer-review-employee-emails.htmlhttps://pujavs-firm-stud.gluu.info/can-an-employer-review-employee-emails.htmlEmails sent or received through a company email account are generally not considered private. Employers are free to monitor these communications, as long as there’s a valid business purpose for doing so. No matter what, employers can’t monitor employee emails for illegal reasons. Under what circumst...Thu, 16 Apr 2026 20:49:20 +0000https://pujavs-firm-stud.gluu.info/what-are-the-reasons-a-taxpayer-should-file-form-6251.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-reasons-a-taxpayer-should-file-form-6251.htmlUse Form 6251 to figure the amount, if any, of your alternative minimum tax (AMT). The AMT applies to taxpayers who have certain types of income that receive favorable treatment, or who qualify for certain deductions, under the tax law. Do I need to fill out Form 6251? You may need to file Form 6251...Thu, 16 Apr 2026 20:38:58 +0000https://pujavs-firm-stud.gluu.info/does-the-irs-require-receipts-for-donations.htmlhttps://pujavs-firm-stud.gluu.info/does-the-irs-require-receipts-for-donations.htmlThe requirement is that donors must keep records showing the date of their donations, either through cancelled checks, bank statements or credit card statements. When these records don’t exist, the IRS allows a donor receipt to serve as a record for the contribution date. What needs to be on a chari...Thu, 16 Apr 2026 20:37:19 +0000https://pujavs-firm-stud.gluu.info/what-schedule-does-a-sole-proprietor-use.htmlhttps://pujavs-firm-stud.gluu.info/what-schedule-does-a-sole-proprietor-use.htmlSchedule C Self-employed individuals, known as Sole Proprietors, are required to report their business income and expenses on Schedule C when they file their Form 1040 Federal Individual Income Tax Return. Why is it hard for sole proprietorship? Unfortunately, in a sole proprietorship, there is no w...Thu, 16 Apr 2026 20:36:41 +0000https://pujavs-firm-stud.gluu.info/do-you-pay-more-interest-on-a-second-mortgage.htmlhttps://pujavs-firm-stud.gluu.info/do-you-pay-more-interest-on-a-second-mortgage.htmlTaking out a second mortgage means you would only be paying extra interest on the new amount you want to borrow. If your current mortgage has a high early repayment charge, it might be cheaper for you to take out a second charge mortgage rather than to remortgage to release equity from your property...Thu, 16 Apr 2026 20:32:48 +0000https://pujavs-firm-stud.gluu.info/can-i-draft-my-own-purchase-agreement.htmlhttps://pujavs-firm-stud.gluu.info/can-i-draft-my-own-purchase-agreement.htmlYou can write your own real estate purchase agreement without paying any money as long as you include certain specifics about your home. List the legal address of the property you are selling and the type of property, instructs RocketLawyer. Specify the purchase price of the home in your real estate...Thu, 16 Apr 2026 20:29:37 +0000https://pujavs-firm-stud.gluu.info/can-a-company-just-change-your-job-description.htmlhttps://pujavs-firm-stud.gluu.info/can-a-company-just-change-your-job-description.htmlFlexibility clauses allow an employer to change the duties of the job without the employee’s consent. In cases where a flexibility clause is included then an employer can change the job duties of an employee, but this must be within reason. Can companies change your job title? Companies can change t...Thu, 16 Apr 2026 20:23:28 +0000https://pujavs-firm-stud.gluu.info/should-i-move-before-getting-a-job.htmlhttps://pujavs-firm-stud.gluu.info/should-i-move-before-getting-a-job.htmlGives you peace of mind Securing a job before you move to a new city may help reduce the stress of relocating. By getting a job ahead of time, you can move in without having to think about whether you will find a job, which can give you comfort and ease your mind. Can I start a new job while on noti...Thu, 16 Apr 2026 20:20:03 +0000https://pujavs-firm-stud.gluu.info/what-is-the-owner-of-as-corp-called.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-owner-of-as-corp-called.htmlShareholders Shareholders (or “stockholders,” the terms are by and large interchangeable) are the ultimate owners of a corporation. They have the right to elect directors, vote on major corporate actions (such as mergers) and share in the profits of the corporation. Is S Corp income considered self ...Thu, 16 Apr 2026 20:16:24 +0000https://pujavs-firm-stud.gluu.info/do-i-have-to-report-ira-withdrawal.htmlhttps://pujavs-firm-stud.gluu.info/do-i-have-to-report-ira-withdrawal.htmlIf you withdraw funds from your IRA before you reach age 59 1/2, the IRS will assess a 10% early withdrawal penalty tax. Roth IRAs do not have the same rules. You must report any money you take out of your IRA on your income taxes. You will receive a 1099-R form that details the money you took out o...Thu, 16 Apr 2026 20:04:43 +0000https://pujavs-firm-stud.gluu.info/how-do-i-submit-a-bid-to-a-government-contract.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-submit-a-bid-to-a-government-contract.htmlBid on Government Contracts: Step-by-Step Find the contract opportunity that you are interested in. Make sure that you can provide the products or services needed. Read the proposal submission guidelines closely and follow them to the letter. Research closed bid information. How a typical governm...Thu, 16 Apr 2026 20:00:21 +0000https://pujavs-firm-stud.gluu.info/does-w-2-mean-full-time.htmlhttps://pujavs-firm-stud.gluu.info/does-w-2-mean-full-time.htmlBecoming a W2 Contractor Working as a W2 contractor is a comparable setup to that of a full-time employee, except on a temporary, contract basis. When it comes to filing taxes, your employer will withhold income taxes on your behalf, along with withholding and paying Social Security and Medicare. Wh...Thu, 16 Apr 2026 19:56:31 +0000https://pujavs-firm-stud.gluu.info/can-you-amortize-covenant-not-to-compete.htmlhttps://pujavs-firm-stud.gluu.info/can-you-amortize-covenant-not-to-compete.htmlCovenant Not to Compete Must Be Amortized Over 15 years The Tax Court, in a CASE OF FIRST IMPRESSION, has held that a company must amortize over 15 years a covenant not to compete because it was entered into with an indirect acquisition of an interest in a trade or business — that is, the redemption...Thu, 16 Apr 2026 19:52:18 +0000https://pujavs-firm-stud.gluu.info/is-it-bad-to-leave-a-company-before-1-year.htmlhttps://pujavs-firm-stud.gluu.info/is-it-bad-to-leave-a-company-before-1-year.html“Stay at a job for at least a year or two — moving around too much looks bad on a resume.” Second, short stints no longer hurt a resume. Sullivan says that employers have become more accepting of brief periods of employment. As many as 32% of employers expect job-jumping. What was the reason for lea...Thu, 16 Apr 2026 19:50:24 +0000https://pujavs-firm-stud.gluu.info/what-is-a-non-publicly-traded-company.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-non-publicly-traded-company.htmlA privately-owned company is a company that is not publicly traded. This means that the company either does not have a share structure through which it raises capital or that shares of the company are being held and traded without using an exchange. Is a private company publicly traded? A private co...Thu, 16 Apr 2026 19:46:08 +0000https://pujavs-firm-stud.gluu.info/what-happens-when-you-close-ac-corp.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-when-you-close-ac-corp.htmlOnce the corporation’s assets have been sold off and all the financial obligations have been met, any remaining cash can be distributed to the shareholders. This is typically done according to shareholders’ stake in the company. Is gain from the sale of rental property subject to net investment tax?...Thu, 16 Apr 2026 19:44:09 +0000https://pujavs-firm-stud.gluu.info/how-do-private-charitable-foundations-work.htmlhttps://pujavs-firm-stud.gluu.info/how-do-private-charitable-foundations-work.htmlA foundation is non-profit, although that does not mean that they do not carry out profit- making activities, because they have to make money in order to give money away. Some foundations operate as “pass-through” foundations – that is, donations come into the foundation and are directly paid out ag...Thu, 16 Apr 2026 19:40:55 +0000https://pujavs-firm-stud.gluu.info/is-an-llc-the-same-as-a-franchise.htmlhttps://pujavs-firm-stud.gluu.info/is-an-llc-the-same-as-a-franchise.htmlWhile C-Corps, S-Corps, and other options are attractive, more franchises incorporate as LLCs every year. LLCs, or limited liability companies, are not actually corporations. With the help of the right corporate lawyer, you can customize the operating agreement of your LLC to run simply and easily. ...Thu, 16 Apr 2026 19:36:22 +0000https://pujavs-firm-stud.gluu.info/what-is-a-good-estimate-retirement-income.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-good-estimate-retirement-income.htmlRetirement experts have offered various rules of thumb about how much you need to save: somewhere near $1 million, 80% to 90% of your annual pre-retirement income, 12 times your pre-retirement salary. What is the median retirement income? What is the average retirement income in the U.S.? According ...Thu, 16 Apr 2026 19:31:44 +0000https://pujavs-firm-stud.gluu.info/can-insurance-agents-sell-to-themselves.htmlhttps://pujavs-firm-stud.gluu.info/can-insurance-agents-sell-to-themselves.htmlYes, a life insurance agent can sell a policy to themselves. They still must pay the same premium as anyone else of their age, build and health would pay. They can also sell to family members. What is insurance agent misrepresentation? An insurer or officer or agent thereof, or an insurance broker o...Thu, 16 Apr 2026 19:29:11 +0000https://pujavs-firm-stud.gluu.info/how-much-can-you-earn-per-year-if-you-collect-social-security.htmlhttps://pujavs-firm-stud.gluu.info/how-much-can-you-earn-per-year-if-you-collect-social-security.htmlThe Social Security earnings limit is $1,580 per month or $18,960 per year in 2021 for someone age 65 or younger. If you earn more than this amount, you can expect to have $1 withheld from your Social Security benefit for every $2 earned above the limit. How much Social Security will I get if I make...Thu, 16 Apr 2026 19:17:55 +0000https://pujavs-firm-stud.gluu.info/do-ironworkers-have-unions.htmlhttps://pujavs-firm-stud.gluu.info/do-ironworkers-have-unions.htmlThe California District Council of Ironworkers represents eight Local unions, serving California, Arizona and Nevada. Our Ironworkers undergo years of rigorous training that focuses on quality, safety and productivity – all so your project finishes on time and on budget. Do union ironworkers make go...Thu, 16 Apr 2026 19:17:28 +0000https://pujavs-firm-stud.gluu.info/how-do-you-calculate-pension-input-for-defined-benefit.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-calculate-pension-input-for-defined-benefit.htmlThe Pension Input Amount calculation is as follows: We determine the benefits you had built up at the end of the previous Pension Input Period and multiply this by a factor defined by HMRC – currently 16. Any automatic lump sum that you may be eligible for is added to the amount calculated in Step 1...Thu, 16 Apr 2026 19:15:02 +0000https://pujavs-firm-stud.gluu.info/what-is-my-current-individual-annual-income.htmlhttps://pujavs-firm-stud.gluu.info/what-is-my-current-individual-annual-income.htmlThe sponsor’s current individual annual income is the total income amount the sponsor expects to report on his/her U.S. Federal income tax return at the end of the current year. This income is called “total income” on IRS Form 1040, or “adjusted gross income” on IRS Form 1040EZ. What is current inco...Thu, 16 Apr 2026 19:14:19 +0000https://pujavs-firm-stud.gluu.info/whose-name-should-be-on-the-title-of-a-house.htmlhttps://pujavs-firm-stud.gluu.info/whose-name-should-be-on-the-title-of-a-house.htmlTrue ownership Both names can be on the title of the home without being on the mortgage. In the event you opt for two names on the title and only one on the mortgage, both of you are owners. The person who signed the mortgage, however, is the one obligated to pay off the loan. True ownership Both na...Thu, 16 Apr 2026 19:14:18 +0000https://pujavs-firm-stud.gluu.info/who-must-file-nc-state-tax-return.htmlhttps://pujavs-firm-stud.gluu.info/who-must-file-nc-state-tax-return.htmlFiling Requirements Chart for Tax Year 2020 Filing Status A Return is Required if Federal Gross Income Exceeds Single $10,750 Married – Filing Joint Return $21,500 Married – Filing Separate Return If spouse does not claim itemized deductions $10,750 Where do I file my NC State taxes? Where to File ...Thu, 16 Apr 2026 19:02:57 +0000https://pujavs-firm-stud.gluu.info/can-a-judgement-freeze-my-bank-account.htmlhttps://pujavs-firm-stud.gluu.info/can-a-judgement-freeze-my-bank-account.htmlAnswer. Bad news: It’s legal for a creditor with a court judgment against you to freeze or “attach” your bank account. Some creditors, like the IRS, can attach your account even without a court judgment. Can your bank account be frozen for debt? If you have any unpaid debts, your creditors can get t...Thu, 16 Apr 2026 18:59:39 +0000https://pujavs-firm-stud.gluu.info/how-do-i-find-something-i-just-copied.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-find-something-i-just-copied.htmlHit Windows+V (the Windows key to the left of the space bar, plus “V”) and a Clipboard panel will appear that shows the history of items you’ve copied to the clipboard. You can go back as far as you like to any of the last 25 clips. How can I instantly copy? The keyboard command for copy is Ctrl + C...Thu, 16 Apr 2026 18:58:12 +0000https://pujavs-firm-stud.gluu.info/can-the-irs-touch-a-joint-account.htmlhttps://pujavs-firm-stud.gluu.info/can-the-irs-touch-a-joint-account.htmlIn general, the IRS can levy a joint bank account if one account holder has delinquent tax debt and all other required procedures have been followed. This is true whether the joint account holder is your spouse, relative, or anyone else. It doesn’t matter whose funds were placed into the account. Ho...Thu, 16 Apr 2026 18:56:40 +0000https://pujavs-firm-stud.gluu.info/can-you-be-an-independent-real-estate-agent.htmlhttps://pujavs-firm-stud.gluu.info/can-you-be-an-independent-real-estate-agent.htmlA real estate agent can’t work independently; they must work for an employing broker. Brokers are responsible for their real estate agents’ actions. Requirements for acquiring a real estate salesperson’s license vary from state to state. Who needs a real estate license in Georgia? Georgia Real Estat...Thu, 16 Apr 2026 18:49:27 +0000https://pujavs-firm-stud.gluu.info/what-happens-when-co-trustee-dies.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-when-co-trustee-dies.htmlWhen the trustee dies, someone else must take over since a trust can’t operate without a trustee. If there was a co-trustee , like with a joint trust, the surviving co-trustee typically becomes the sole trustee (unless the grantor specified different terms in the trust agreement). Can a co-trustee c...Thu, 16 Apr 2026 18:48:59 +0000https://pujavs-firm-stud.gluu.info/why-is-my-tax-return-stuck-on-received.htmlhttps://pujavs-firm-stud.gluu.info/why-is-my-tax-return-stuck-on-received.htmlEven though the IRS will issue most refunds in less than 21 days, it’s possible that your refund has been delayed because it is stuck in processing. This could mean that all of the necessary forms were not sent to the IRS for processing. Your return has been flagged for identity theft or fraud. Why ...Thu, 16 Apr 2026 18:48:34 +0000https://pujavs-firm-stud.gluu.info/how-do-i-claim-compensation-for-mesothelioma.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-claim-compensation-for-mesothelioma.htmlHow to File a Mesothelioma Claim Step 1: Understanding Eligibility Requirements. Claimants will work with an asbestos lawyer to determine claim eligibility. Step 2: Gather Required Documentation. Step 3: File the Asbestos Claim. Step 4: Claim Review and Compensation Award. Can you claim for asbes...Thu, 16 Apr 2026 18:47:13 +0000https://pujavs-firm-stud.gluu.info/what-is-a-health-insurance-buyout.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-health-insurance-buyout.htmlA buyout is an extra-contractual arrangement, a voluntary decision by both you and the insurance company that isn’t ordinarily required by the policy. Most of the time the maximum exposure – the sum of your monthly benefits over the length of time payable under your policy – is easy to calculate. Wh...Thu, 16 Apr 2026 18:35:51 +0000https://pujavs-firm-stud.gluu.info/can-you-write-off-egg-donor-fees.htmlhttps://pujavs-firm-stud.gluu.info/can-you-write-off-egg-donor-fees.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. Ca...Thu, 16 Apr 2026 18:32:00 +0000https://pujavs-firm-stud.gluu.info/is-selling-books-on-ebay-legal.htmlhttps://pujavs-firm-stud.gluu.info/is-selling-books-on-ebay-legal.htmlYou can sell any book YOU OWN on ebay. You just can’t make copies unless it’s your own book and you are the copyright owner. I’ve bought out of print books that are still in copyright from EBay. Is selling eBooks on eBay profitable? Is selling eBooks on eBay a profitable business idea? Yes, you can,...Thu, 16 Apr 2026 18:27:40 +0000https://pujavs-firm-stud.gluu.info/is-it-risky-to-buy-a-second-home.htmlhttps://pujavs-firm-stud.gluu.info/is-it-risky-to-buy-a-second-home.htmlQualify for a second-home mortgage Whether it’s a vacation home or an investment property, lenders see second homes as riskier. The requirements for minimum credit scores are generally higher, and maximum debt-to-income ratios are lower than for a primary residence. Can you put down less than 20% on...Thu, 16 Apr 2026 18:26:07 +0000https://pujavs-firm-stud.gluu.info/can-you-get-married-religiously-but-not-legally.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-married-religiously-but-not-legally.htmlA Legal Marriage may also be a Religious Marriage, but it is not required. [Further, no marriage license is required for a Religious Marriage. The ONLY purpose served by a marriage license is to enter a Legal Marriage.] Even a routine Religious Marriage is not automatically a Legal Marriage. What do...Thu, 16 Apr 2026 18:25:04 +0000https://pujavs-firm-stud.gluu.info/how-do-i-call-my-local-irs-office.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-call-my-local-irs-office.htmlHere is how it works. Instead of going directly to your local TAC with a tax issue, you should now call a special toll free number, 844-545-5640, to reach an IRS representative, who is trained to either help you resolve it or schedule an appointment for you to get the help you need. How do I get a l...Thu, 16 Apr 2026 18:19:38 +0000https://pujavs-firm-stud.gluu.info/are-sales-commissions-1099-reportable.htmlhttps://pujavs-firm-stud.gluu.info/are-sales-commissions-1099-reportable.htmlIt is not a replacement for Form 1099-MISC, it is only replacing the use of Form 1099-MISC for reporting nonemployee compensation. Commissions previously reported in Box 7 of the 1099-MISC, will now be reported on 1099-NEC Box 1. A 1099-NEC will be filed for each person who is paid at least $600 in ...Thu, 16 Apr 2026 18:19:10 +0000https://pujavs-firm-stud.gluu.info/how-many-days-do-you-have-to-identify-a-property-in-a-1031-exchange.htmlhttps://pujavs-firm-stud.gluu.info/how-many-days-do-you-have-to-identify-a-property-in-a-1031-exchange.html45 days In a typical Internal Revenue Code (IRC) §1031 delayed exchange, commonly known as a 1031 exchange or tax deferred exchange, a taxpayer has 45 days from the date of sale of the relinquished property to identify potential replacement property. This 45-day window is known as the identification...Thu, 16 Apr 2026 18:12:17 +0000https://pujavs-firm-stud.gluu.info/how-much-are-american-express-bonus-points-worth.htmlhttps://pujavs-firm-stud.gluu.info/how-much-are-american-express-bonus-points-worth.htmlGift cards. When you redeem points through American Express’ Membership Rewards gift cards portal, you’ll get anywhere from 0.5 cents to 1 cent per point. This means you could redeem, for example, 30,000 rewards points for anywhere between $150 to $300 depending on the brand. What is the value of 50...Thu, 16 Apr 2026 18:04:29 +0000