https://pujavs-firm-stud.gluu.infoConnected.Informed.Engaged.en-usTue, 12 May 2026 02:53:45 +0000https://pujavs-firm-stud.gluu.info/do-joint-accounts-count-as-assets.htmlhttps://pujavs-firm-stud.gluu.info/do-joint-accounts-count-as-assets.htmlJoint Bank Accounts Impact Countable Assets Joint accounts are a countable asset when determining whether a senior qualifies for Medicaid long-term care coverage, and it is crucial to understand that Medicaid counts 100 percent of the value of all joint bank accounts in which the applicant has an in...Tue, 12 May 2026 02:44:12 +0000https://pujavs-firm-stud.gluu.info/what-happens-to-my-private-pension-if-i-emigrate.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-to-my-private-pension-if-i-emigrate.htmlYou can claim and receive a UK State Pension while living overseas. But Pension Credit stops when you move overseas permanently. This is a means-tested benefit, which can top up your weekly income. Your State Pension can be paid to a UK bank or building society account, or to an overseas account in ...Tue, 12 May 2026 02:39:56 +0000https://pujavs-firm-stud.gluu.info/how-do-you-deal-with-a-possessive-daughter.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-deal-with-a-possessive-daughter.html8 Effective Ways To Deal With A Jealous Daughter-In-Law Accept your son’s choice. Be kind to her. Try to be her friend. Think about your grandchildren. Get to know her before you call her a jealous daughter-in-law. Give space and set boundaries. Don’t talk to your son about her. Accept your jealous ...Tue, 12 May 2026 02:27:10 +0000https://pujavs-firm-stud.gluu.info/how-much-does-it-cost-to-have-a-lawyer-on-retainer.htmlhttps://pujavs-firm-stud.gluu.info/how-much-does-it-cost-to-have-a-lawyer-on-retainer.htmlThere is a wide range of retainer fees, from as low as $500 or as high as $5,000 or more, depending on the type of agreement you have and the work involved. Actually, the fee can be any amount that the attorney requests, and it is typically requested at the beginning of legal representation. What do...Tue, 12 May 2026 02:23:01 +0000https://pujavs-firm-stud.gluu.info/what-are-the-commercial-debt-forgiveness-rules.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-commercial-debt-forgiveness-rules.htmlThe commercial debt forgiveness rules also apply to a non-equity share issued by a company. A debt is forgiven if the company’s obligation to pay the debt is released, waived or otherwise extinguished, other than by repaying the debt in full. Is commercial debt forgiveness assessable income? To the ...Tue, 12 May 2026 02:16:41 +0000https://pujavs-firm-stud.gluu.info/is-rental-interest-tax-deductible.htmlhttps://pujavs-firm-stud.gluu.info/is-rental-interest-tax-deductible.htmlYou can deduct the ordinary and necessary expenses for managing, conserving and maintaining your rental property. Necessary expenses are those that are deemed appropriate, such as interest, taxes, advertising, maintenance, utilities and insurance. How are tenants in common taxes? Real-estate-related...Tue, 12 May 2026 02:16:31 +0000https://pujavs-firm-stud.gluu.info/does-close-of-escrow-mean-closing-date.htmlhttps://pujavs-firm-stud.gluu.info/does-close-of-escrow-mean-closing-date.htmlClose of escrow is the point in the real estate transaction when you and the seller have honored your responsibilities to each other. This may or may not take place on the same day as your closing date with your mortgage lender. How quickly can a house close escrow? between 30 to 60 days Every sale ...Tue, 12 May 2026 02:16:10 +0000https://pujavs-firm-stud.gluu.info/how-far-back-does-ebay-selling-history-go.htmlhttps://pujavs-firm-stud.gluu.info/how-far-back-does-ebay-selling-history-go.html90 days You can view all your sold items from the past 90 days in either Seller Hub or My eBay. What is the average selling time on eBay? Looking at these numbers, I see that the majority of my items sell between 30-100 days. That’s actually pretty good. Something else that I took note of was that m...Tue, 12 May 2026 02:15:23 +0000https://pujavs-firm-stud.gluu.info/can-a-single-member-llc-take-a-salary.htmlhttps://pujavs-firm-stud.gluu.info/can-a-single-member-llc-take-a-salary.htmlAs a single-member LLC owner, you can pay yourself: a distribution (or draw) that by default passes through to your individual tax return, or. a reasonable salary and distribution as an S corporation (S corp) Does a single-member LLC pay less taxes? Single-Owner LLCs The IRS treats one-member LLCs a...Tue, 12 May 2026 02:13:55 +0000https://pujavs-firm-stud.gluu.info/is-there-an-income-limit-on-sole-proprietorships.htmlhttps://pujavs-firm-stud.gluu.info/is-there-an-income-limit-on-sole-proprietorships.htmlSelf-Employment Taxes Sole proprietors must pay the entire amount themselves (although they can deduct half of the cost). The self-employment tax rate is 15.3%, which consists of 12.4% for Social Security up to an annual income ceiling (above which no tax applies) and 2.9% for Medicare with no incom...Tue, 12 May 2026 02:05:26 +0000https://pujavs-firm-stud.gluu.info/is-c-corp-owner-an-employee.htmlhttps://pujavs-firm-stud.gluu.info/is-c-corp-owner-an-employee.htmlS corp owners are required to pay themselves a “reasonable compensation” as an employee of the company and must pay FICA payroll taxes. C corp owners can also be paid as an employee of the company and are required to be treated as an employee if they’re involved in the daily operations of the busine...Tue, 12 May 2026 02:04:16 +0000https://pujavs-firm-stud.gluu.info/how-do-taxes-work-if-i-move-out-of-state.htmlhttps://pujavs-firm-stud.gluu.info/how-do-taxes-work-if-i-move-out-of-state.htmlIf you move from one state to another during the year, you will have to file state income taxes in both states. Depending on the state law, you will either have to file “partial-year resident” returns or a “nonresident” return after a move. If you relocate to another state and earn income during the...Tue, 12 May 2026 02:01:35 +0000https://pujavs-firm-stud.gluu.info/can-foreigner-setup-company-in-usa.htmlhttps://pujavs-firm-stud.gluu.info/can-foreigner-setup-company-in-usa.htmlAnyone can form a Limited Liability Company (LLC) in the USA; you do not need to be a US citizen, or a US company. Foreign citizens and foreign companies can form an LLC in the USA. What business is profitable in USA? Bookkeeping and accounting With a net profit margin of 19.8%, bookkeeping, account...Tue, 12 May 2026 01:57:42 +0000https://pujavs-firm-stud.gluu.info/are-quitclaim-deeds-legal-in-colorado.htmlhttps://pujavs-firm-stud.gluu.info/are-quitclaim-deeds-legal-in-colorado.htmlIn Colorado, a quitclaim deed is a legal document used to transfer property from an owner to a seller in an expeditious fashion. This type of transfer comes with no warranty, meaning it comes with no guarantees that the title is free and clear of any encumbrances or back taxes. How do I file a quit ...Tue, 12 May 2026 01:49:21 +0000https://pujavs-firm-stud.gluu.info/are-gifts-excluded-from-taxable-income.htmlhttps://pujavs-firm-stud.gluu.info/are-gifts-excluded-from-taxable-income.htmlMaking a gift or leaving your estate to your heirs does not ordinarily affect your federal income tax. You cannot deduct the value of gifts you make (other than gifts that are deductible charitable contributions). Is a gift a taxable event? Giving away money is not a taxable event for the recipient....Tue, 12 May 2026 01:42:46 +0000https://pujavs-firm-stud.gluu.info/can-an-independent-contractor-have-a-business-name.htmlhttps://pujavs-firm-stud.gluu.info/can-an-independent-contractor-have-a-business-name.htmlYou have to follow some legal naming rules: don’t include legal identifiers (e.g., “Limited, Ltd., Corporation, or Corp. Incorporated, Inc.,”) since these are only for incorporated businesses with limited liability. You also should make sure you have the legal right to use your chosen business name....Tue, 12 May 2026 01:38:12 +0000https://pujavs-firm-stud.gluu.info/when-people-lose-their-battle-with-cancer.htmlhttps://pujavs-firm-stud.gluu.info/when-people-lose-their-battle-with-cancer.htmlWar metaphors are often used to describe a person’s experience with cancer. Those who have died are said to have lost their “battle with cancer”, while the living are described as “fighting cancer”. Why you shouldn’t say someone lost their battle with cancer? Instead, being factually accurate and sa...Tue, 12 May 2026 01:33:18 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-you-file-virginia-state-taxes-late.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-you-file-virginia-state-taxes-late.htmlIf you file your return within 6 months after the due date but do not pay the tax due until after that time, your return will be subject to a late payment penalty. Like the late filing penalty, the late payment penalty is assessed at a rate of 6% per month, with a maximum penalty of 30%. Does Virgin...Tue, 12 May 2026 01:26:28 +0000https://pujavs-firm-stud.gluu.info/is-rough-cut-lumber-kiln-dried.htmlhttps://pujavs-firm-stud.gluu.info/is-rough-cut-lumber-kiln-dried.htmlYou may have heard the term rough sawn (or rough cut) lumber before. What it essentially means is that this lumber type is untreated and cut into planks. It is generally stronger than other types of lumber, but also carries extra moisture because it hasn’t been kiln-dried. Does rough cut lumber need...Tue, 12 May 2026 01:25:12 +0000https://pujavs-firm-stud.gluu.info/what-is-a-consolidated-1099-div.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-consolidated-1099-div.htmlThe Consolidated Form 1099 combines five separate 1099 forms into one. It covers reportable income and transactions for the tax year, from interest income to investment expenses, royalties to REMIC. But all that information packed into one document can be a little intimidating. Why do I pay taxes on...Tue, 12 May 2026 01:20:42 +0000https://pujavs-firm-stud.gluu.info/do-you-send-1099-to-medical-insurance-companies.htmlhttps://pujavs-firm-stud.gluu.info/do-you-send-1099-to-medical-insurance-companies.htmlInsurance companies are almost without exception corporations and as such are exempted from IRS 1099-MISC filing requirements, except in certain cases unrelated to insurance companies. Therefore, businesses do not need to send incorporated insurance companies 1099-MISCs, nor file related reports wit...Tue, 12 May 2026 01:19:58 +0000https://pujavs-firm-stud.gluu.info/what-does-it-mean-to-claim-an-allowance-for-yourself.htmlhttps://pujavs-firm-stud.gluu.info/what-does-it-mean-to-claim-an-allowance-for-yourself.htmlAn allowance reduces the amount of money that is held out of your paycheck for income taxes. For example, you are entitled to one allowance for yourself and one for a spouse if you have one. The more allowances you claim, the more money you will take home. Fewer allowances mean less take-home pay. H...Tue, 12 May 2026 01:16:51 +0000https://pujavs-firm-stud.gluu.info/can-i-work-in-turkey-with-tourist-visa.htmlhttps://pujavs-firm-stud.gluu.info/can-i-work-in-turkey-with-tourist-visa.htmlFrom yearly 52 million Tourist visa visits, only 80.000 foreigners enter Turkey by Work visas. Foreigners who residence abroad and who will travel to Turkey for employment / special employment or labor purpose the employee shall enter by Work permit and Visa under the employment procedure in Turkey....Tue, 12 May 2026 01:16:15 +0000https://pujavs-firm-stud.gluu.info/what-is-concerned-with-foreign-investment.htmlhttps://pujavs-firm-stud.gluu.info/what-is-concerned-with-foreign-investment.htmlForeign investment refers to the investment in domestic companies and assets of another country by a foreign investor. Large multinational corporations will seek new opportunities for economic growth by opening branches and expanding their investments in other countries. What is difference between i...Tue, 12 May 2026 01:14:24 +0000https://pujavs-firm-stud.gluu.info/how-do-i-collect-my-winnings-from-mega-millions.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-collect-my-winnings-from-mega-millions.htmlPrizes of $600 or more must be claimed at a district office, claim center or lottery headquarters. Mega Millions jackpot winners are encouraged to contact the lottery headquarters for their jurisdiction. Players can decide to take a one-off lump sum cash payment or accept an annuity (30 payments ove...Tue, 12 May 2026 01:12:40 +0000https://pujavs-firm-stud.gluu.info/how-do-you-politely-ask-deadline-in-an-email.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-politely-ask-deadline-in-an-email.htmlHow to Get People to Take Action and Meet Your Deadlines in Emails State Specific Due Dates. Put Action and Due Dates in the Subject Lines. Put the Request in the First Sentence or First Paragraph. Provide an Incentive or Disincentive. Use Active Voice. Give Specific Details. Make Response Eas...Tue, 12 May 2026 01:06:11 +0000https://pujavs-firm-stud.gluu.info/can-you-claim-tax-back-on-physiotherapy.htmlhttps://pujavs-firm-stud.gluu.info/can-you-claim-tax-back-on-physiotherapy.htmlPhysiotherapy Fortunately, you can claim tax back if you find you need to visit a physiotherapist, chiropractor or osteopath (provided you are referred by a doctor). Acupuncture treatment can also be eligible as long as you visit a qualified practitioner. Can you claim previous years medical expense...Tue, 12 May 2026 00:51:01 +0000https://pujavs-firm-stud.gluu.info/what-if-i-forgot-to-file-a-1098-t.htmlhttps://pujavs-firm-stud.gluu.info/what-if-i-forgot-to-file-a-1098-t.htmlThe amount of the penalty is based on when the Form 1098-T is filed. The penalties are: $30 per form if you correctly file within 30 days, maximum penalty $250,000 per year ($75,000 for small businesses). Do I have to file my college 1098-T? You must file Form 1098-T for each student who is enrolled...Tue, 12 May 2026 00:45:53 +0000https://pujavs-firm-stud.gluu.info/do-you-need-a-general-contractor-license-in-california.htmlhttps://pujavs-firm-stud.gluu.info/do-you-need-a-general-contractor-license-in-california.htmlAll businesses or individuals who construct or alter any building, highway, road, parking facility, railroad, excavation, or other structure in California must be licensed by the California Contractors State License Board (CSLB) if the total cost (labor and materials) of one or more contracts on the...Tue, 12 May 2026 00:43:08 +0000https://pujavs-firm-stud.gluu.info/what-is-the-penalty-for-cashing-out-an-old-401k.htmlhttps://pujavs-firm-stud.gluu.info/what-is-the-penalty-for-cashing-out-an-old-401k.htmlIf you withdraw funds early from a 401(k), you will be charged a 10% penalty tax plus your income tax rate on the amount you withdraw. In short, if you withdraw retirement funds early, the money will be treated as income. Does cashing out 401k count as income? Withdrawals from 401(k)s are considered...Tue, 12 May 2026 00:39:13 +0000https://pujavs-firm-stud.gluu.info/what-entities-can-be-invested-in-foreign.htmlhttps://pujavs-firm-stud.gluu.info/what-entities-can-be-invested-in-foreign.html6 Ways to Invest in Foreign Stocks American Depository Receipts (ADRs) Global Depository Receipts (GDRs) Foreign Direct Investing. Global Mutual Funds. Exchange-Traded Funds (ETFs) Multinational Corporations (MNCs) What is investment in international business? International investing involves select...Tue, 12 May 2026 00:33:36 +0000https://pujavs-firm-stud.gluu.info/does-usaa-have-a-physical-location.htmlhttps://pujavs-firm-stud.gluu.info/does-usaa-have-a-physical-location.htmlUSAA Locations USAA (United Services Automobile Association) maintains 16 corporate offices and financial centers in Texas, Arizona, Colorado, New York, Maryland, Virginia and Florida. Where is USAA main bank located? USAA Federal Savings Bank has 1 banking locations. Their corporate headquarters is...Tue, 12 May 2026 00:33:36 +0000https://pujavs-firm-stud.gluu.info/can-employers-clawback-signing-bonus.htmlhttps://pujavs-firm-stud.gluu.info/can-employers-clawback-signing-bonus.htmlGenerally, employers do have a written agreement in place with the employee and the agreement may have a provision that only provides for a claw back if the employee leaves the company voluntarily. The written agreement may also have a provision regarding how the bonus will be paid back. What is a f...Tue, 12 May 2026 00:32:01 +0000https://pujavs-firm-stud.gluu.info/how-can-i-get-a-free-stair-lift.htmlhttps://pujavs-firm-stud.gluu.info/how-can-i-get-a-free-stair-lift.htmlIt is possible to get the full cost of a stairlift covered through financial aid, meaning that you can essentially get a stairlift for free. However, the process of applying for financial aid for a stairlift is not as simple as getting a stairlift fitted for free through a local council or through a...Tue, 12 May 2026 00:29:45 +0000https://pujavs-firm-stud.gluu.info/what-are-the-advantages-to-being-a-renter-instead-of-an-owner.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-advantages-to-being-a-renter-instead-of-an-owner.htmlOne of the major benefits of renting versus owning is that renters don’t have to pay property taxes. Real estate taxes can be a hefty burden for homeowners and vary by county. In some areas, the costs associated with property taxes can amount to thousands of dollars each year. Why am I people choose...Tue, 12 May 2026 00:09:13 +0000https://pujavs-firm-stud.gluu.info/do-employers-have-to-pay-tool-allowance.htmlhttps://pujavs-firm-stud.gluu.info/do-employers-have-to-pay-tool-allowance.htmlAllowance Description A tradesperson must be paid a tool allowance of $16.06 per week for supplying and maintaining tools ordinarily required in the performance of their work as a tradesperson. Is tool allowance an expense reimbursement? If you reimburse or provide an allowance to your employees to ...Tue, 12 May 2026 00:08:27 +0000https://pujavs-firm-stud.gluu.info/how-do-i-connect-with-my-20-year-old-son.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-connect-with-my-20-year-old-son.html6 Ways Parents Can Communicate Better With Their 20-Somethings Do respect the shifts in contact during your kids’ 20s. Do observe good boundaries in cyberspace, as elsewhere. Do use the right method to reach your kids where they live. Do think twice before becoming Facebook friends with your kids...Tue, 12 May 2026 00:03:04 +0000https://pujavs-firm-stud.gluu.info/are-non-compete-payments-taxable.htmlhttps://pujavs-firm-stud.gluu.info/are-non-compete-payments-taxable.htmlPayments received for a covenant not to compete are treated as ordinary income rather than capital gain. Therefore, sellers will generally prefer allocating the purchase price to capital assets and Sec. What is non-compete fee? A non-compete fee is the outcome of an agreement entered into between tw...Mon, 11 May 2026 23:44:51 +0000https://pujavs-firm-stud.gluu.info/why-am-i-getting-a-letter-from-north-carolina-department-of-revenue.htmlhttps://pujavs-firm-stud.gluu.info/why-am-i-getting-a-letter-from-north-carolina-department-of-revenue.htmlNotices are sent out when the department determines taxpayers owe taxes to the State that have not been paid for a number of reasons. Will the NC Department of Revenue call you? NCDOR Representatives Will Verify Taxpayer Identification When a tax liability is in collections: Collection personnel may...Mon, 11 May 2026 23:30:35 +0000https://pujavs-firm-stud.gluu.info/is-investment-income-considered-ubti.htmlhttps://pujavs-firm-stud.gluu.info/is-investment-income-considered-ubti.htmlDividends, interest, rents, annuities and other investment income generally are excluded when calculating unrelated business income tax (UBIT). However, there are two exceptions where such income is taxable. Are IRA’s subject to Ubti? UBTI is subject to taxation in all varieties of retirement accoun...Mon, 11 May 2026 23:21:18 +0000https://pujavs-firm-stud.gluu.info/how-do-i-report-a-dividend-distribution-on-1120.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-report-a-dividend-distribution-on-1120.htmlSalaries paid to shareholders of an S corporation are reported on Form W-2, as are all wages and salaries, and on Line 7 or 8 of Form 1120S. Dividend distributions paid to shareholders of an S corporation are reported on Form 1099-DIV, and on Schedule K, Line 17c. How long do you have to file an ame...Mon, 11 May 2026 23:17:33 +0000https://pujavs-firm-stud.gluu.info/is-medicaid-funded-by-taxes.htmlhttps://pujavs-firm-stud.gluu.info/is-medicaid-funded-by-taxes.htmlBoth Medicare and Medicaid are government-sponsored health insurance plans. Funding for Medicare is done through payroll taxes and premiums paid by recipients. Medicaid is funded by the federal government and each state. What does federally funded Medicaid mean? Created in 1965, Medicaid is a public...Mon, 11 May 2026 23:16:52 +0000https://pujavs-firm-stud.gluu.info/is-it-a-good-idea-to-transfer-final-salary-pension.htmlhttps://pujavs-firm-stud.gluu.info/is-it-a-good-idea-to-transfer-final-salary-pension.htmlProviding for your family The financial flexibility offered by Pension Freedoms, and therefore transferring your Final Salary pension could prove beneficial in terms of being able to access a series of lump sums from your fund, rather than the single lump sum you’ll get from your Final Salary scheme...Mon, 11 May 2026 23:14:53 +0000https://pujavs-firm-stud.gluu.info/what-is-a-good-vo2-max-for-a-62-year-old-male.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-good-vo2-max-for-a-62-year-old-male.htmlVO2 Max Chart for Men (ml/kg/min) Classification 18-25 56-65 Excellent >60 >41 Good 52-60 36-41 Above average 47-51 32-35 Average 42-46 30-31 What is a good VO2 max for a man? Elite male runners have shown VO2 maxes of up to 85 mL/kg/min, and elite female runners have scored up to 77 mL/kg/min...Mon, 11 May 2026 23:14:51 +0000https://pujavs-firm-stud.gluu.info/why-does-nevada-sponsor-vanguard-529.htmlhttps://pujavs-firm-stud.gluu.info/why-does-nevada-sponsor-vanguard-529.htmlThe plan was originally designed to allow people to save for higher education. The Vanguard 529 College Savings Plan is sponsored by the state of Nevada, and offers savers three age-based models. Vanguard’s is among the cheapest plans available on the market and offers a stellar lineup in its portfo...Mon, 11 May 2026 23:14:03 +0000https://pujavs-firm-stud.gluu.info/have-a-lot-of-bother-with-meaning.htmlhttps://pujavs-firm-stud.gluu.info/have-a-lot-of-bother-with-meaning.htmlbother with someone or something to take the time or trouble to deal with someone or something. (Usually negative.) What do you mean by bother? 1 : to annoy especially by petty provocation : irk It bothers her when people litter. bothered by the itchy tag on his shirt. 2 : to intrude upon : pester D...Mon, 11 May 2026 23:10:53 +0000https://pujavs-firm-stud.gluu.info/what-is-not-considered-constructive-receipt-of-income.htmlhttps://pujavs-firm-stud.gluu.info/what-is-not-considered-constructive-receipt-of-income.htmlConstructive receipt refers to situations where income can be used despite the fact that this money has not yet been physically received. Constructive receipt occurs in cash accounting situations, but it does not apply or occur with the use of accrual accounting situations. How does a company avoid ...Mon, 11 May 2026 23:10:11 +0000https://pujavs-firm-stud.gluu.info/do-i-need-a-resale-certificate-in-illinois.htmlhttps://pujavs-firm-stud.gluu.info/do-i-need-a-resale-certificate-in-illinois.htmlIllinois businesses may purchase items tax free to resell. Sales tax is then collected and paid when the items are sold at retail. To document tax-exempt purchases of such items, retailers must keep in their books and records a certificate of resale. Certificates of Resale should be updated at least...Mon, 11 May 2026 23:08:39 +0000https://pujavs-firm-stud.gluu.info/should-grandparents-pay-tuition.htmlhttps://pujavs-firm-stud.gluu.info/should-grandparents-pay-tuition.htmlUnder the Internal Revenue Code, you can pay unlimited amounts for someone’s tuition and not be taxed. To make a tuition gift that qualifies for the federal gift tax educational exclusion, the gift-giver should make the tuition payment directly to the student’s school—they should not give the money ...Mon, 11 May 2026 23:06:44 +0000https://pujavs-firm-stud.gluu.info/can-i-file-married-filing-jointly-with-my-girlfriend.htmlhttps://pujavs-firm-stud.gluu.info/can-i-file-married-filing-jointly-with-my-girlfriend.htmlIn addition, joint filers are eligible to take a standard deduction that’s double that of a single taxpayer. However, since the IRS only allows a couple to file a joint tax return if the state they reside in recognizes the relationship as a legal marriage; unmarried couples are never eligible to fil...Mon, 11 May 2026 23:00:47 +0000https://pujavs-firm-stud.gluu.info/how-is-mineral-interest-transferred.htmlhttps://pujavs-firm-stud.gluu.info/how-is-mineral-interest-transferred.htmlAfter a divorce, mineral rights can be transferred by submitting the divorce decree and conveyances to the county (where the minerals are located) for recording. They usually go to the same agency that records titles and property deeds. The county will return the recorded original documents to the n...Mon, 11 May 2026 22:52:23 +0000https://pujavs-firm-stud.gluu.info/can-a-discretionary-trust-have-a-corporate-trustee.htmlhttps://pujavs-firm-stud.gluu.info/can-a-discretionary-trust-have-a-corporate-trustee.htmlSome benefits of having a corporate trustee for a discretionary trust include: Asset identification of the trust’s assets and personal assets is more straight forward. The director(s) of the trustee company are generally not personally liable for any reduction in the trust assets. Can a trustee of a...Mon, 11 May 2026 22:42:46 +0000https://pujavs-firm-stud.gluu.info/what-paperwork-do-i-need-to-file-for-divorce-in-texas.htmlhttps://pujavs-firm-stud.gluu.info/what-paperwork-do-i-need-to-file-for-divorce-in-texas.htmlfile-stamped copy of your Original Petition for Divorce; and. Waiver of Service or Answer form filled out and signed by your spouse; and. Final Decree of Divorce form completely filled out and signed by both you and your spouse; and. Sample Testimony for Divorce without Children; and. Do you have to...Mon, 11 May 2026 22:41:52 +0000https://pujavs-firm-stud.gluu.info/is-f1-opt-non-resident-alien.htmlhttps://pujavs-firm-stud.gluu.info/is-f1-opt-non-resident-alien.htmlF and J student visa holders are considered non-resident aliens during their first five calendar years in the U.S. H-1, TN and O-1 visa holders are considered non-resident aliens until they meet the “substantial presence” test. In general: F and J student visa holders are considered non-resident ali...Mon, 11 May 2026 22:41:35 +0000https://pujavs-firm-stud.gluu.info/does-social-security-pass-to-surviving-child.htmlhttps://pujavs-firm-stud.gluu.info/does-social-security-pass-to-surviving-child.htmlWithin a family, a child can receive up to half of the parent’s full retirement or disability benefits. If a child receives survivors benefits, they can get up to 75% of the deceased parent’s basic Social Security benefit. It can be from 150% to 180% of the parent’s full benefit amount. How long do ...Mon, 11 May 2026 22:38:03 +0000https://pujavs-firm-stud.gluu.info/what-if-named-beneficiary-is-deceased.htmlhttps://pujavs-firm-stud.gluu.info/what-if-named-beneficiary-is-deceased.htmlUnder California Probate Code §21110, if a named beneficiary dies before the Will-maker, the heirs (i.e. kindred/related by consanguinity) of the deceased beneficiary may, based on several requirements, inherit the gift in his/or her place. The second requirement is that the Will can expressly provi...Mon, 11 May 2026 22:32:25 +0000https://pujavs-firm-stud.gluu.info/are-rental-losses-always-passive.htmlhttps://pujavs-firm-stud.gluu.info/are-rental-losses-always-passive.htmlAnd a loss that results from rental real estate is always considered to be passive, even if you meet the 500-hour requirement. Passive activity losses are generally not deductible. They can be used to offset other income that came from passive activities, but they cannot be used to reduce your other...Mon, 11 May 2026 22:30:02 +0000https://pujavs-firm-stud.gluu.info/who-is-responsible-for-payroll-errors.htmlhttps://pujavs-firm-stud.gluu.info/who-is-responsible-for-payroll-errors.htmlEmployer is the Responsible Party The California Labor Code holds the employer responsible for accurate wage statements and that responsibility can’t be passed on to the payroll company. What to do when you’ve been underpaid? Speak to your employer Try speaking informally to your employer if you’re ...Mon, 11 May 2026 22:16:41 +0000https://pujavs-firm-stud.gluu.info/what-does-principal-reduction-payment-mean.htmlhttps://pujavs-firm-stud.gluu.info/what-does-principal-reduction-payment-mean.htmlA principal reduction is a decrease in the amount owed on a loan, typically a mortgage. A lender may grant a principal reduction to provide financial relief for a borrower as an alternative to foreclosure on the property. What is a principal reduction on a mortgage refinance? A Principal Reduction i...Mon, 11 May 2026 22:09:06 +0000https://pujavs-firm-stud.gluu.info/can-you-get-disability-for-past.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-disability-for-past.htmlSocial Security Disability Insurance (SSDI) pays monthly benefits to you if you are disabled and unable to work. If you are approved for SSDI, you may be able to get past, or retroactive, benefits from before you applied for SSDI. Can you backdate a disability claim? A protective filing date (PFD) i...Mon, 11 May 2026 22:08:03 +0000https://pujavs-firm-stud.gluu.info/what-is-required-at-sars.htmlhttps://pujavs-firm-stud.gluu.info/what-is-required-at-sars.htmlThe following supporting documents are required: Certified or uncertified copies of a valid identity document, driving licence, passport, temporary identity document, asylum seekers certificate or permit together with the original identification (Identity document includes the green barcoded book an...Mon, 11 May 2026 22:07:08 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-a-simple-trust-fails-to-distribute-income.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-a-simple-trust-fails-to-distribute-income.html“Distributed currently” is a bit of a misnomer. The beneficiary is required to include the income from a simple trust in her gross income for the tax year regardless if she received it. It can complicate the tax treatment of the trust if income isn’t distributed, so we recommend actual distribution ...Mon, 11 May 2026 22:04:12 +0000https://pujavs-firm-stud.gluu.info/can-lyme-disease-cause-neurological-problems.htmlhttps://pujavs-firm-stud.gluu.info/can-lyme-disease-cause-neurological-problems.htmlNeurological complications most often occur in early disseminated Lyme disease, with numbness, pain, weakness, facial palsy/droop (paralysis of the facial muscles), visual disturbances, and meningitis symptoms such as fever, stiff neck, and severe headache. Can Lyme disease affect the brain? Lyme di...Mon, 11 May 2026 22:01:24 +0000https://pujavs-firm-stud.gluu.info/can-foreign-income-tax-offset-be-carried-forward.htmlhttps://pujavs-firm-stud.gluu.info/can-foreign-income-tax-offset-be-carried-forward.htmlAs a non-refundable tax offset, the foreign income tax offset reduces your income tax payable (including Medicare levy and Medicare levy surcharge). Once your tax payable has been reduced to nil, any unused foreign income tax offset is not refunded to you, nor can it be carried forward to later inco...Mon, 11 May 2026 21:58:39 +0000https://pujavs-firm-stud.gluu.info/how-many-licensed-social-workers-are-there-in-maryland.htmlhttps://pujavs-firm-stud.gluu.info/how-many-licensed-social-workers-are-there-in-maryland.htmlMaryland Social Work Jobs and Salary Information Type Number Employed Average Annual Salary Child, Family, and School Social Workers 4,600 $54,630 Healthcare Social Workers 4,370 $58,150 Mental Health and Substance Abuse Social Workers 2,320 $46,890 Social Workers, All Other 1,010 $66,500 How long d...Mon, 11 May 2026 21:52:03 +0000https://pujavs-firm-stud.gluu.info/how-do-i-go-to-my-seller-account-on-ebay.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-go-to-my-seller-account-on-ebay.htmlYou can access your Account Status from the Seller Account area of My eBay. In your Account Status you can see the dates, fee types and item numbers for all eBay seller charges. How do I become an Amazon seller or eBay? To sell items on either Amazon or eBay, you have to follow the same basic steps:...Mon, 11 May 2026 21:43:28 +0000https://pujavs-firm-stud.gluu.info/is-there-a-step-up-in-basis-on-a-joint-account.htmlhttps://pujavs-firm-stud.gluu.info/is-there-a-step-up-in-basis-on-a-joint-account.htmlIf both joint owners contributed to the value of the asset, the value of the deceased joint owner’s share is included in his or her estate. That portion of the property receives a step-up in basis. Is there a step-up in basis when one spouse dies? When one spouse dies, the surviving spouse receives ...Mon, 11 May 2026 21:42:02 +0000https://pujavs-firm-stud.gluu.info/how-can-i-buy-a-house-after-debt-settlement.htmlhttps://pujavs-firm-stud.gluu.info/how-can-i-buy-a-house-after-debt-settlement.htmlTips on Buying a Home After Debt Settlement Start Saving For a Healthy Down Payment. Ultimately, if you’re able to pay more for your house upfront, you won’t have to borrow as much money. Cut Unnecessary Spending. Perfect Your Credit. Improve Your DTI. Look Into FHA Loans. Budget for Related Ex...Mon, 11 May 2026 21:41:16 +0000https://pujavs-firm-stud.gluu.info/can-you-get-a-job-after-volunteering.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-a-job-after-volunteering.htmlvolunteers have a 27% higher likelihood of finding a job after being out of work than non-volunteers. volunteers without a high school diploma have a 51% higher likelihood of finding employment. volunteers living in rural areas have a 55% higher likelihood of finding employment. How do you feel afte...Mon, 11 May 2026 21:28:38 +0000https://pujavs-firm-stud.gluu.info/can-an-itin-be-verified.htmlhttps://pujavs-firm-stud.gluu.info/can-an-itin-be-verified.htmlITIN numbers cannot be verified to the individual’s true identity (DOB, aliases, and former addresses). In order to properly check into someone’s past, an employer must verify that a person is whom they say they are. Otherwise, you may be searching for a non-existent person with obviously, clean rec...Mon, 11 May 2026 21:15:45 +0000https://pujavs-firm-stud.gluu.info/can-i-get-lyme-disease-from-my-husband.htmlhttps://pujavs-firm-stud.gluu.info/can-i-get-lyme-disease-from-my-husband.htmlThere is no credible scientific evidence that Lyme disease is spread through sexual contact. Published studies in animals do not support sexual transmission (Moody 1991; Woodrum 1999), and the biology of the Lyme disease spirochete is not compatible this route of exposure (Porcella 2001). How does L...Mon, 11 May 2026 21:14:36 +0000https://pujavs-firm-stud.gluu.info/what-are-the-best-startup-ideas-right-now.htmlhttps://pujavs-firm-stud.gluu.info/what-are-the-best-startup-ideas-right-now.htmlIf you’re ready to run your own business, consider any of these great business ideas. Consultant. Source: Kerkez / Getty Images. Online reseller. Source: ijeab / Getty Images. Online teaching. Source: fizkes / Getty Images. Online bookkeeping. Medical courier service. App developer. Transcript...Mon, 11 May 2026 21:12:06 +0000https://pujavs-firm-stud.gluu.info/where-do-consulting-firms-hire-from.htmlhttps://pujavs-firm-stud.gluu.info/where-do-consulting-firms-hire-from.htmlSo, let’s start by taking a look at a few of the most popular target schools where MBB consulting firms are known to recruit….2.1 University recruiting Boston College. University of California, Berkeley. University of Cambridge. Columbia University. Cornell University. Duke University. Georgetown Un...Mon, 11 May 2026 21:11:50 +0000https://pujavs-firm-stud.gluu.info/what-is-connecticut-withholding-tax.htmlhttps://pujavs-firm-stud.gluu.info/what-is-connecticut-withholding-tax.htmlWithholding is the money an employer withholds from each employee’s wages to help prepay the state income tax of the employee. Wages of a nonresident are subject to Connecticut income tax withholding if the wages are paid for services performed in Connecticut. How do I register for CT withholding? I...Mon, 11 May 2026 20:59:04 +0000https://pujavs-firm-stud.gluu.info/do-baseball-players-get-taxed.htmlhttps://pujavs-firm-stud.gluu.info/do-baseball-players-get-taxed.htmlTaxes vary based on differing levels of state and local tax, but even if athletes live in states with no income taxes, they still may pay “jock taxes” on games played in states and cities with those taxes. He accrued two years and 162 days of service time and made $1.31 million in major league pay. ...Mon, 11 May 2026 20:58:35 +0000https://pujavs-firm-stud.gluu.info/will-filing-bankruptcy-stop-an-eviction.htmlhttps://pujavs-firm-stud.gluu.info/will-filing-bankruptcy-stop-an-eviction.htmlNo. Once you file for bankruptcy, any legal proceedings that are already in progress against you, such as a notice of eviction or a lawsuit, must be stopped. If you have declared bankruptcy and have not yet been discharged from it, your landlord cannot begin eviction procedures against you. Can Fili...Mon, 11 May 2026 20:58:12 +0000https://pujavs-firm-stud.gluu.info/what-is-a-personal-representative-in-healthcare.htmlhttps://pujavs-firm-stud.gluu.info/what-is-a-personal-representative-in-healthcare.htmlThe Personal Representative Is: An Adult or. An Emancipated Minor. A person with legal authority to make health care decisions on behalf of the individual. Examples: Health care power of attorney. What are the different types of personal representatives? There are a number of types of personal repre...Mon, 11 May 2026 20:54:02 +0000https://pujavs-firm-stud.gluu.info/what-happens-if-i-forgot-to-file-my-taxes-yesterday.htmlhttps://pujavs-firm-stud.gluu.info/what-happens-if-i-forgot-to-file-my-taxes-yesterday.htmlYou’ll likely end up owing a late payment penalty of 0.5% per month, or fraction thereof, until the tax is paid. The maximum late payment penalty is 25% of the amount due. You’ll also likely owe interest on whatever amount you didn’t pay by the filing deadline. Can I file my 2019 taxes online after ...Mon, 11 May 2026 20:53:28 +0000https://pujavs-firm-stud.gluu.info/how-do-i-pay-maryland-unemployment-taxes.htmlhttps://pujavs-firm-stud.gluu.info/how-do-i-pay-maryland-unemployment-taxes.htmlMaryland employers are required to pay their quarterly unemployment insurance taxes by the quarterly due date, four (4) times each year. For employers filing in the BEACON system: Pay by E-Check (free) at the time of the filing, through BEACON. Pay by paper check and mail to P.O. Box 17291 Baltimore...Mon, 11 May 2026 20:52:22 +0000https://pujavs-firm-stud.gluu.info/can-you-claim-back-rent-on-bankruptcies.htmlhttps://pujavs-firm-stud.gluu.info/can-you-claim-back-rent-on-bankruptcies.htmlBack rent is treated like unsecured debt in bankruptcy. Just like medical bills, credit card debt, and personal loans, you can include your back rent in your bankruptcy. The only way that you will still have to pay your rent or back rent is if your landlord files a motion for automatic stay relief. ...Mon, 11 May 2026 20:49:03 +0000https://pujavs-firm-stud.gluu.info/can-you-get-fired-for-having-a-chronic-illness.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-fired-for-having-a-chronic-illness.htmlFederal and state laws also prohibit retaliation based on a chronic illness, disability, or medical condition. An employer or boss cannot become aware of your condition and attempt to push you out, make your employment miserable, or harass you – which is defined as retaliation. Can a job let you go ...Mon, 11 May 2026 20:44:23 +0000https://pujavs-firm-stud.gluu.info/can-i-keep-va-loan-after-divorce.htmlhttps://pujavs-firm-stud.gluu.info/can-i-keep-va-loan-after-divorce.htmlVA Loan Entitlement After Divorce Entitlement is the trickiest part of a divorce. If the non-military spouse receives the home and doesn’t refinance or sell, your VA entitlement will be wrapped up in the home until the loan is refinanced or paid in full. Can you get a VA loan if you already own a ho...Mon, 11 May 2026 20:27:05 +0000https://pujavs-firm-stud.gluu.info/do-student-loans-count-towards-insolvency.htmlhttps://pujavs-firm-stud.gluu.info/do-student-loans-count-towards-insolvency.htmlInsolvency is a tax situation when your liabilities (such as forgiven student loan debt) exceed your assets (like the money in your savings account). That is a big win for borrowers getting their loans forgiven under IBR, PAYE, RePAYE, or ICR. How are forgiven student loans taxed? Under current law,...Mon, 11 May 2026 20:25:13 +0000https://pujavs-firm-stud.gluu.info/do-i-need-an-abn-for-consulting.htmlhttps://pujavs-firm-stud.gluu.info/do-i-need-an-abn-for-consulting.htmlYou may not need a company or a business name, but you will need an ABN to charge your client. If you need a Pty Ltd company the client will let you know. You can get an ABN for you personally, or for your business/company. But if you’re going to do both a business name and an ABN then get the busin...Mon, 11 May 2026 20:22:48 +0000https://pujavs-firm-stud.gluu.info/is-adsense-passive-income.htmlhttps://pujavs-firm-stud.gluu.info/is-adsense-passive-income.htmlGoogle Adsense is technically passive income. When you create a new post on your blog and include Adsense ads, that blog has the potential to make you money not just once, but over and over again, even while you sleep or go on vacation. Is affiliate marketing considered passive income? Yes, affiliat...Mon, 11 May 2026 20:20:29 +0000https://pujavs-firm-stud.gluu.info/can-you-get-financial-aid-with-no-income.htmlhttps://pujavs-firm-stud.gluu.info/can-you-get-financial-aid-with-no-income.htmlThere is no income cut-off to qualify for federal student aid. Many factors—such as the size of your family and your year in school—are taken into account. Can I get financial aid in my 30s? No, there’s no age limit. Almost everyone is eligible for some type of federal student aid. The adult student...Mon, 11 May 2026 20:16:40 +0000https://pujavs-firm-stud.gluu.info/can-a-company-legally-pay-under-minimum-wage.htmlhttps://pujavs-firm-stud.gluu.info/can-a-company-legally-pay-under-minimum-wage.htmlIt is illegal for California employers to pay employees less than the minimum wage. If your employer violates minimum wage laws, you can recover the money you are owed in a wage and hour lawsuit. Does the warehouse pay minimum wage? “The Warehouse is proud to confirm that it has reached an in-princi...Mon, 11 May 2026 20:14:31 +0000https://pujavs-firm-stud.gluu.info/are-estimated-tax-payments-due-after-death.htmlhttps://pujavs-firm-stud.gluu.info/are-estimated-tax-payments-due-after-death.htmlThe final return is filed on the same form that would have been used if the taxpayer were still alive, but “deceased” is written after the taxpayer’s name. The deadline to file a final return is the tax filing deadline of the year following the taxpayer’s death. How do I cash a deceased person’s tax...Mon, 11 May 2026 20:14:24 +0000https://pujavs-firm-stud.gluu.info/is-the-surviving-spouse-responsible-for-funeral-costs.htmlhttps://pujavs-firm-stud.gluu.info/is-the-surviving-spouse-responsible-for-funeral-costs.htmlIn short, no family members can be forced to pay for a funeral. The costs of a funeral come from the deceased person’s estate. The executor is appointed in the deceased’s will and is responsible for planning and arranging payment for the funeral. This is usually a spouse or close relative. Can a tru...Mon, 11 May 2026 20:12:43 +0000https://pujavs-firm-stud.gluu.info/how-do-you-know-if-a-graduate-school-is-accredited.htmlhttps://pujavs-firm-stud.gluu.info/how-do-you-know-if-a-graduate-school-is-accredited.htmlTo find out school accreditation or to know if a program is accredited, a good starting place is the prospective school’s website. National and regional agencies accrediting the school can generally be found on the home page or under the “about us” section. What does it mean for a graduate school to...Mon, 11 May 2026 20:12:20 +0000https://pujavs-firm-stud.gluu.info/can-a-cousin-be-a-non-occupant-co-borrower.htmlhttps://pujavs-firm-stud.gluu.info/can-a-cousin-be-a-non-occupant-co-borrower.htmlAll of the above can all be non-occupant co-borrowers since they are related by blood, marriage, law. Things can get tricky when getting into cousins, aunts, uncles, first and second cousins, and other distant relatives. Can you have a non-occupant co-borrower on an investment property? No, non-occu...Mon, 11 May 2026 20:08:19 +0000https://pujavs-firm-stud.gluu.info/why-is-my-property-value-decreasing.htmlhttps://pujavs-firm-stud.gluu.info/why-is-my-property-value-decreasing.htmlHaving short sales and especially foreclosures on your street decreases the value of your home. Even if they are not direct comparables, as in same square footage and the number of bedrooms and baths, they are in your immediate neighborhood, so can make the entire area depreciate in value. Why do so...Mon, 11 May 2026 20:08:10 +0000https://pujavs-firm-stud.gluu.info/why-did-my-job-give-me-a-1099-nec.htmlhttps://pujavs-firm-stud.gluu.info/why-did-my-job-give-me-a-1099-nec.htmlAt tax time, you receive a Form W-2 from your employer. Independent contractors: Your check won’t have any payroll taxes withheld. That means paying as you go falls on your to-do list. At tax time, you’ll receive Form(s) 1099-NEC to show the total amounts you were paid for the year. What is the diff...Mon, 11 May 2026 20:07:57 +0000https://pujavs-firm-stud.gluu.info/what-is-my-status-on-opt.htmlhttps://pujavs-firm-stud.gluu.info/what-is-my-status-on-opt.htmlUSCIS will mail you a receipt notice (I-797C) with your OPT application case status number. You can track your case status at Request a tracking number when you mail your OPT application to USCIS. Track the package delivery and save the delivery confirmation with a copy of your OPT application pack...Mon, 11 May 2026 20:02:53 +0000https://pujavs-firm-stud.gluu.info/are-dividends-taxed-first.htmlhttps://pujavs-firm-stud.gluu.info/are-dividends-taxed-first.htmlOne of the reasons for this is that the dividend income is always taxed at the individual’s highest rate of tax meaning that the taxable income rate bands are used up first by the individual’s other taxable income. How is dividend income taxed 2020? The dividend tax rate for 2020. For anyone holding...Mon, 11 May 2026 19:40:12 +0000https://pujavs-firm-stud.gluu.info/what-is-acquisition-under-companies-act-2013.htmlhttps://pujavs-firm-stud.gluu.info/what-is-acquisition-under-companies-act-2013.htmlHowever, the Companies Act, 2013 (“CA 2013”) without strictly defining the term explains the concept. A ‘merger’ is a combination of two or more entities into one; the desired effect being not just the accumulation of assets and liabilities of the distinct entities, but organization of such entity i...Mon, 11 May 2026 19:36:00 +0000https://pujavs-firm-stud.gluu.info/are-medical-expenses-deductible-in-massachusetts.htmlhttps://pujavs-firm-stud.gluu.info/are-medical-expenses-deductible-in-massachusetts.htmlMassachusetts allows a deduction for medical expenses under MGL ch 62, § 3B(b)(4) equal to the federal deduction only for taxpayers that itemize deductions on a federal return. Do Ma employers have to offer health insurance? EMPLOYER REQUIREMENTS UNDER MASSACHUSETTS LAW Current Massachusetts law req...Mon, 11 May 2026 19:33:12 +0000https://pujavs-firm-stud.gluu.info/what-percentage-of-jobs-can-be-done-from-home.htmlhttps://pujavs-firm-stud.gluu.info/what-percentage-of-jobs-can-be-done-from-home.htmlUsing O*NET and OES data, for instance, Jonathan I. Dingel and Brent Neiman estimate that 63 percent of U.S. jobs require significant onsite presence and that the remaining 37 percent can be performed entirely at home. What percentage of the UK population can work from home? The Office for National ...Mon, 11 May 2026 19:28:07 +0000https://pujavs-firm-stud.gluu.info/what-is-recoverable-sales-tax.htmlhttps://pujavs-firm-stud.gluu.info/what-is-recoverable-sales-tax.htmlRecoverable Taxes means any tax on goods or services where the payer of the tax is able to claim a credit for that tax from a Tax Authority, and includes Goods and Services Taxes, Harmonized Sales Taxes, Value Added Taxes and other similar taxes. What is non recoverable VAT? Irrecoverable VAT refers...Mon, 11 May 2026 19:27:43 +0000https://pujavs-firm-stud.gluu.info/how-is-marital-property-divided-in-colorado.htmlhttps://pujavs-firm-stud.gluu.info/how-is-marital-property-divided-in-colorado.htmlGenerally, “marital property” is property acquired by either spouse after the marriage. C.R.S. In Colorado, marital property is divided without regard to marital misconduct or fault. The Court divides property as it deems equitable or fair, which does not necessarily mean the property is divided equ...Mon, 11 May 2026 19:19:54 +0000