https://alexbregman.amadablam.edu.npPremium icon headlines with sleek structure.en-usMon, 28 Sep 2026 10:23:51 -0400https://alexbregman.amadablam.edu.np/how-do-you-form-a-fraternal-organization.htmlhttps://alexbregman.amadablam.edu.np/how-do-you-form-a-fraternal-organization.htmlTo qualify as a 501(c)(8) fraternal benefit society, an organization must: Have a fraternal purpose. This means membership must be based on a common tie or the pursuit of a common object. Operate under the lodge system. Provide for the payment of life, sick, accident, or other benefits. Is Rotary ...Mon, 28 Sep 2026 14:14:59 -0400https://alexbregman.amadablam.edu.np/when-did-people-settle-in-oklahoma.htmlhttps://alexbregman.amadablam.edu.np/when-did-people-settle-in-oklahoma.htmlThe Land Run of 1889, the first land run in the territory’s history, opened Oklahoma Territory to settlement on April 22, 1889. Over 50,000 people entered the lands on the first day, among them thousands of freedmen and descendants of slaves. Was Oklahoma the 48th state? The U.S. was made up of 48 s...Mon, 28 Sep 2026 13:56:13 -0400https://alexbregman.amadablam.edu.np/how-do-you-deal-with-a-disrespectful-brother.htmlhttps://alexbregman.amadablam.edu.np/how-do-you-deal-with-a-disrespectful-brother.htmlHow to Deal with Annoying, Difficult, and Disrespectful Siblings, According to 7 Experts Serenity now and peace be mine. Take time to respond, rather than react. Stay calm in volatile situations. Suspend your disbelief. Know your triggers. See their behavior as an opportunity for self-growth. Commo...Mon, 28 Sep 2026 13:52:20 -0400https://alexbregman.amadablam.edu.np/does-alaska-pay-you-monthly-to-live-there.htmlhttps://alexbregman.amadablam.edu.np/does-alaska-pay-you-monthly-to-live-there.htmlAlaska will pay you approximately $1,600 to live there! Simply put, Alaska needs people. So much so that they offer numerous grants and tax incentives to make you an Alaskan. The Permanent Fund Dividend is a perfect example. Can I live in Alaska for a year? Once you’ve lived in Alaska for a full yea...Mon, 28 Sep 2026 13:44:28 -0400https://alexbregman.amadablam.edu.np/how-does-the-irs-define-collectibles.htmlhttps://alexbregman.amadablam.edu.np/how-does-the-irs-define-collectibles.htmlDefinition of a Collectible Any rug or antique, Any metal or gem (with limited exceptions, below), Any stamp or coin (with limited exceptions, below) Any alcoholic beverage, or. Any other tangible personal property that the IRS determines is a “collectible” under IRC Section 408(m). What are conside...Mon, 28 Sep 2026 12:57:32 -0400https://alexbregman.amadablam.edu.np/can-an-american-live-and-work-in-greece.htmlhttps://alexbregman.amadablam.edu.np/can-an-american-live-and-work-in-greece.htmlMoving, Living and Working in Greece To stay in Greece beyond the validity of your Schengen or national visa and live and work legally in Greece, you need a permit. There is no such thing as a green card for Greece; ‘green card’ is a term used in the United States and does not apply outside its bord...Mon, 28 Sep 2026 12:50:07 -0400https://alexbregman.amadablam.edu.np/what-license-do-i-need-to-sell-online-ohio.htmlhttps://alexbregman.amadablam.edu.np/what-license-do-i-need-to-sell-online-ohio.htmlvendor license The only state-level permit or license in Ohio is the vendor license, also known as seller’s permit. You must obtain a vendor license if you: Are engaged in business in Ohio. Intend to sell or lease tangible personal property or services that would ordinarily be subject to sales tax i...Mon, 28 Sep 2026 12:49:51 -0400https://alexbregman.amadablam.edu.np/what-is-a-us-non-resident.htmlhttps://alexbregman.amadablam.edu.np/what-is-a-us-non-resident.htmlAn alien is any individual who is not a U.S. citizen or U.S. national. A nonresident alien is an alien who has not passed the green card test or the substantial presence test. A nonresident alien is a person who is not a U.S. citizen and does not pass the green card or substantial presence tests use...Mon, 28 Sep 2026 12:33:42 -0400https://alexbregman.amadablam.edu.np/can-you-buy-a-car-with-cash-and-put-it-in-someone-else-name.htmlhttps://alexbregman.amadablam.edu.np/can-you-buy-a-car-with-cash-and-put-it-in-someone-else-name.htmlIf you purchase a car for someone else, you have the option to have the loan in your name or to cosign with the individual you’re buying it for. The only way to buy the vehicle as a surprise is to put in the loan in your own name. The title may be registered under both names. Can you legally buy a c...Mon, 28 Sep 2026 12:19:26 -0400https://alexbregman.amadablam.edu.np/what-does-it-mean-to-waive-a-late-fee.htmlhttps://alexbregman.amadablam.edu.np/what-does-it-mean-to-waive-a-late-fee.htmlSome creditors may waive the late fee the first time a consumer misses the payment deadline while others do not charge any late fees at all. Still, other lenders offer no leniency and charge a late fee even if a borrower barely misses the payment deadline. Can a bank waive a late fee? Negotiate a Fe...Mon, 28 Sep 2026 12:12:18 -0400https://alexbregman.amadablam.edu.np/how-much-should-i-charge-as-a-dog-trainer.htmlhttps://alexbregman.amadablam.edu.np/how-much-should-i-charge-as-a-dog-trainer.htmlThe average cost of dog training is $30 to $80 per class with most spending about $50 per hour. Dog obedience training schools cost $200 to $600 per week while boot camp kennel training runs $500 to $1,250 per week….Dog Training Cost. National Average Cost $50 Minimum Cost $20 Maximum Cost $120 Aver...Mon, 28 Sep 2026 11:52:16 -0400https://alexbregman.amadablam.edu.np/in-which-type-s-of-virginia-court-would-a-case-be-tried-before-a-jury.htmlhttps://alexbregman.amadablam.edu.np/in-which-type-s-of-virginia-court-would-a-case-be-tried-before-a-jury.htmlcircuit court All cases in this court are heard by a judge. Jury trials are held only in circuit court, as provided by the Constitution of Virginia. The judge is sworn to enforce, without favor, the laws of the Commonwealth and community. By law, the court must apply rules of procedure and evidence ...Mon, 28 Sep 2026 11:52:05 -0400https://alexbregman.amadablam.edu.np/can-you-have-an-hsa-without-a-medical-plan.htmlhttps://alexbregman.amadablam.edu.np/can-you-have-an-hsa-without-a-medical-plan.htmlYes, you can open a health savings account (HSA) even if your employer doesn’t offer one. And you can’t be covered by other disqualifying coverage such as Medicare, Medicaid, TRICARE or a spouse’s health plan. Nor can you be claimed as a tax dependent in that year. Can you have an HSA and a traditio...Mon, 28 Sep 2026 11:30:16 -0400https://alexbregman.amadablam.edu.np/how-has-teaching-changed-in-the-last-few-decades.htmlhttps://alexbregman.amadablam.edu.np/how-has-teaching-changed-in-the-last-few-decades.htmlThe emergence of blended learning, online classes, experiential learning has changed how students are interacting with the educational content. There has been a dramatic shift in the education ecosystem as a whole and now online education and blended classes have become a norm in all the levels of e...Mon, 28 Sep 2026 11:25:59 -0400https://alexbregman.amadablam.edu.np/can-i-have-two-financial-advisors.htmlhttps://alexbregman.amadablam.edu.np/can-i-have-two-financial-advisors.htmlInvestors are always told to enlist the services of a financial advisor, but it’s not uncommon for them to have more than one. Some disclose this to the professionals handling their investments, and some don’t. What is the average hourly rate for a financial advisor? How Much Do Financial Advisor Jo...Mon, 28 Sep 2026 11:16:06 -0400https://alexbregman.amadablam.edu.np/how-can-i-work-with-my-husband-in-business.htmlhttps://alexbregman.amadablam.edu.np/how-can-i-work-with-my-husband-in-business.htmlGuidelines for Running a Business with Your Spouse Set boundaries. Determine who is in charge of what. Commit to the business. Periodically check in with your partner. Define your roles. Focus on each other’s strengths as you define your roles. Respect and trust your partner. Hold team meetings....Mon, 28 Sep 2026 11:11:30 -0400https://alexbregman.amadablam.edu.np/what-is-nra-payment.htmlhttps://alexbregman.amadablam.edu.np/what-is-nra-payment.htmlGenerally, NRA withholding describes the withholding regime that requires 30% withholding on a payment of U.S. source income and the filing of Form 1042 and related Form 1042-S. Payments to all foreign persons, including nonresident alien individuals, foreign entities and governments, may be subject...Mon, 28 Sep 2026 11:07:32 -0400https://alexbregman.amadablam.edu.np/what-is-senior-relocation.htmlhttps://alexbregman.amadablam.edu.np/what-is-senior-relocation.htmlWhat does a senior relocation service do? Also called a senior move manager, or simply a senior mover, they assist seniors and their families with a move to a new, usually smaller, residence. They go beyond the basics of packing and unpacking and provide a full menu of services to help seniors have ...Mon, 28 Sep 2026 11:01:23 -0400https://alexbregman.amadablam.edu.np/how-do-you-allocate-deductions-when-married-filing-separately.htmlhttps://alexbregman.amadablam.edu.np/how-do-you-allocate-deductions-when-married-filing-separately.htmlAnswer: When spouses file separately, both must use the same method of claiming deductions. That is, either both parties must itemize, or both parties must take the standard deduction. If you choose to itemize, it’s important to know how to divide your deductions. What is the deduction for married f...Mon, 28 Sep 2026 10:53:12 -0400https://alexbregman.amadablam.edu.np/can-i-still-use-my-married-name-after-divorce.htmlhttps://alexbregman.amadablam.edu.np/can-i-still-use-my-married-name-after-divorce.htmlIt’s up to you whether or not you want to keep your married name or go back to using your maiden name after divorce. If you do wish to keep your married name, then you can simply keep using it. Can my wife take my house if its in my name? The law states that if one person in a marriage owns the fami...Mon, 28 Sep 2026 10:42:40 -0400https://alexbregman.amadablam.edu.np/does-inherited-count-as-income.htmlhttps://alexbregman.amadablam.edu.np/does-inherited-count-as-income.htmlInheritances are not considered income for federal tax purposes, whether you inherit cash, investments or property. You will have to include the interest income from inherited cash and dividends on inherited stocks or mutual funds in your reported income, for example. How can I pass on wealth tax fr...Mon, 28 Sep 2026 09:51:48 -0400https://alexbregman.amadablam.edu.np/is-hawthorne-ca-a-bad-neighborhood.htmlhttps://alexbregman.amadablam.edu.np/is-hawthorne-ca-a-bad-neighborhood.htmlHawthorne is in the 23rd percentile for safety, meaning 77% of cities are safer and 23% of cities are more dangerous. The rate of crime in Hawthorne is 41.33 per 1,000 residents during a standard year. People who live in Hawthorne generally consider the southwest part of the city to be the safest. I...Mon, 28 Sep 2026 09:24:45 -0400https://alexbregman.amadablam.edu.np/how-do-i-report-overpriced-items-on-ebay.htmlhttps://alexbregman.amadablam.edu.np/how-do-i-report-overpriced-items-on-ebay.htmlHow to report an item Go to the listing and choose Report item, which you’ll find next to the description and shipping and payment options. On the File a report page, select Price gouging in the Report Category field. In the Reason for report field, select Price gouging. Can you report an eBay selle...Mon, 28 Sep 2026 09:17:17 -0400https://alexbregman.amadablam.edu.np/is-un-pension-taxable-in-canada.htmlhttps://alexbregman.amadablam.edu.np/is-un-pension-taxable-in-canada.htmlUN pension in Canada is subject of the USA-Canada tax treaty under which pensions that arise in the USA are taxed in Canada on the same basis as they are taxed in the USA. However, there is a portion of the pension which can be tax exempt. Do UN employees pay taxes in Canada? Employment income from ...Mon, 28 Sep 2026 08:12:10 -0400https://alexbregman.amadablam.edu.np/how-long-can-you-go-without-paying-property-taxes-philippines.htmlhttps://alexbregman.amadablam.edu.np/how-long-can-you-go-without-paying-property-taxes-philippines.htmlIf after the said 36 months you still fail to pay your annual RPT, and the maximum interest of 72 percent had accrued on top of it, then per Section 258: “real property subject to such tax may be levied upon through the issuance of a warrant on or before, or simultaneously with, the institution of t...Mon, 28 Sep 2026 08:04:20 -0400https://alexbregman.amadablam.edu.np/can-you-sell-your-house-if-its-in-foreclosure.htmlhttps://alexbregman.amadablam.edu.np/can-you-sell-your-house-if-its-in-foreclosure.htmlYes! If you’re facing foreclosure, you have the opportunity to sell your home up until the home is sold at auction in a Sheriff’s Sale by the mortgage lender. A home will be foreclosed upon when a mortgage lender exercises its right to sell a property which the owner has not kept up payments on. Are...Mon, 28 Sep 2026 07:47:00 -0400https://alexbregman.amadablam.edu.np/how-are-simple-ira-contributions-calculated-for-self-employed.htmlhttps://alexbregman.amadablam.edu.np/how-are-simple-ira-contributions-calculated-for-self-employed.htmlCalculate your maximum SIMPLE IRA contribution by adding 3 percent of your net self-employment income, up to the annual maximum income inclusion, to the smaller of the annual contribution or your self-employment income. Contribute to your SIMPLE IRA before your tax filing deadline, including extensi...Mon, 28 Sep 2026 07:14:09 -0400https://alexbregman.amadablam.edu.np/is-royalty-income-subject-to-tax.htmlhttps://alexbregman.amadablam.edu.np/is-royalty-income-subject-to-tax.htmlRoyalties. Royalties from copyrights, patents, and oil, gas and mineral properties are taxable as ordinary income. You generally report royalties in Part I of Schedule E (Form 1040 or Form 1040-SR), Supplemental Income and Loss. Are patent royalties subject to self-employment tax? Royalties are self...Mon, 28 Sep 2026 07:07:27 -0400https://alexbregman.amadablam.edu.np/what-can-i-do-with-a-large-sum-of-inherited-money.htmlhttps://alexbregman.amadablam.edu.np/what-can-i-do-with-a-large-sum-of-inherited-money.htmlWhat to Do With a Large Inheritance Think Before You Spend. Pay Off Debts, Don’t Incur Them. Make Investing a Priority. Splurge Thoughtfully. Leave Something for Your Heirs or Charity. Don’t Rush to Switch Financial Advisors. The Bottom Line. What do you do with a lump sum of money Dave Ramsey? If y...Mon, 28 Sep 2026 06:45:59 -0400https://alexbregman.amadablam.edu.np/are-employee-pay-stubs-confidential.htmlhttps://alexbregman.amadablam.edu.np/are-employee-pay-stubs-confidential.htmlConfidential employee personal and professional information includes but is not limited to: Personal data: Social Security Number, date of birth, marital status, and mailing address. Administrative information: time sheets, pay stubs, direct deposit forms, and tax forms. Is it illegal to look at a c...Mon, 28 Sep 2026 06:45:03 -0400https://alexbregman.amadablam.edu.np/can-you-get-a-bank-loan-for-a-foreclosed-home.htmlhttps://alexbregman.amadablam.edu.np/can-you-get-a-bank-loan-for-a-foreclosed-home.htmlWith short sales or bank-owned (also called real-estate-owned or REO) properties, you can finance the purchase with a mortgage. In fact, it’s common to do so. Wells Fargo says approximately 60% of its foreclosed homes are purchased with financing. You might wait months for a bank to approve a short ...Mon, 28 Sep 2026 06:37:25 -0400https://alexbregman.amadablam.edu.np/is-third-party-sick-pay-the-same-as-disability.htmlhttps://alexbregman.amadablam.edu.np/is-third-party-sick-pay-the-same-as-disability.htmlThird party sick pay is an insurance disability benefit (payment) that provides benefits to employees in place of lost wages due to absences caused by an illness or non work related injury. These payments typically are a percent of the employee’s gross pay and commonly referred to as short-term disa...Mon, 28 Sep 2026 06:29:09 -0400https://alexbregman.amadablam.edu.np/do-losses-cancel-out-capital-gains.htmlhttps://alexbregman.amadablam.edu.np/do-losses-cancel-out-capital-gains.htmlLosses on your investments are first used to offset capital gains of the same type. So, short-term losses are first deducted against short-term gains, and long-term losses are deducted against long-term gains. Net losses of either type can then be deducted against the other kind of gain. Losses on y...Mon, 28 Sep 2026 05:57:47 -0400https://alexbregman.amadablam.edu.np/can-i-be-sued-for-dating-a-married-man.htmlhttps://alexbregman.amadablam.edu.np/can-i-be-sued-for-dating-a-married-man.htmlTechnically, the suit is not “criminal,” nor is one brought based on “conversation” alone. A spouse has a legal right to enjoy the service and companionship of a mate, and if you steal that away—so to speak—the spouse can sue you for damages. An alienation of affections action works the same way. Ca...Mon, 28 Sep 2026 05:49:28 -0400https://alexbregman.amadablam.edu.np/is-building-a-house-hard-on-a-marriage.htmlhttps://alexbregman.amadablam.edu.np/is-building-a-house-hard-on-a-marriage.htmlBuilding a new home can be stressful. Building a house can create relationship tension even if you have a great marriage and the best home builder in the area. Thankfully, there are things you can do to minimize the stress and strain on your marriage and family during the home building process. Can ...Mon, 28 Sep 2026 05:22:21 -0400https://alexbregman.amadablam.edu.np/how-long-is-a-typical-military-deployment.htmlhttps://alexbregman.amadablam.edu.np/how-long-is-a-typical-military-deployment.htmlbetween six and twelve months The average military deployment is typically between six and twelve months long. However, deployment lengths vary greatly from branch to branch, are situational and depend on several factors specific to each individual service member. What’s the longest a soldier can be...Mon, 28 Sep 2026 04:56:46 -0400https://alexbregman.amadablam.edu.np/do-consulting-firms-have-partners.htmlhttps://alexbregman.amadablam.edu.np/do-consulting-firms-have-partners.htmlPartners are the money-makers at consulting firms, as their most important responsibility is to win projects and maintain client relationships. The position requires great leadership skills and creativity in order to create catered, innovative solutions for clients and to grow the firm. Is McKinsey ...Mon, 28 Sep 2026 04:42:45 -0400https://alexbregman.amadablam.edu.np/do-you-pay-ordinary-income-tax-on-capital-gains.htmlhttps://alexbregman.amadablam.edu.np/do-you-pay-ordinary-income-tax-on-capital-gains.htmlCapital gains are generally included in taxable income, but in most cases, are taxed at a lower rate. Short-term capital gains are taxed as ordinary income at rates up to 37 percent; long-term gains are taxed at lower rates, up to 20 percent. Is gain on sale of equipment ordinary income? In the case...Mon, 28 Sep 2026 04:24:32 -0400https://alexbregman.amadablam.edu.np/can-i-withdraw-money-from-my-workplace-pension.htmlhttps://alexbregman.amadablam.edu.np/can-i-withdraw-money-from-my-workplace-pension.htmlWithdraw cash from your pension pot You may be able to take cash directly from your pension pot. You’ll be able to: withdraw smaller cash sums – you’ll pay a fee to your pension provider for each withdrawal. pay in – but you’ll pay tax on contributions over a certain amount a year. Can you withdraw ...Mon, 28 Sep 2026 04:20:27 -0400https://alexbregman.amadablam.edu.np/can-you-get-a-good-deal-on-a-foreclosure.htmlhttps://alexbregman.amadablam.edu.np/can-you-get-a-good-deal-on-a-foreclosure.htmlIf you’re looking to save money when purchasing or investing in a property, a foreclosed home can be one way to score a deal — but only if you’re prepared to make an all-cash offer. “Foreclosures are great for investors, especially with cash on hand. How much should I offer on a foreclosed home? You...Mon, 28 Sep 2026 04:18:26 -0400https://alexbregman.amadablam.edu.np/can-a-nonprofit-pay-its-directors.htmlhttps://alexbregman.amadablam.edu.np/can-a-nonprofit-pay-its-directors.htmlAny payments for service of directors must be reasonable. California limits the number of directors a corporation may pay. While a nonprofit generally may not lend money to its directors or officers, it may advance a reasonable amount to money to cover a director’s necessary costs rather than reimbu...Mon, 28 Sep 2026 04:14:59 -0400https://alexbregman.amadablam.edu.np/how-does-depreciation-affect-the-tax-basis-of-an-asset.htmlhttps://alexbregman.amadablam.edu.np/how-does-depreciation-affect-the-tax-basis-of-an-asset.htmlBy charting the decrease in the value of an asset or assets, depreciation reduces the amount of taxes a company or business pays via tax deductions. A company’s depreciation expense reduces the amount of earnings on which taxes are based, thus reducing the amount of taxes owed. Is depreciation inclu...Mon, 28 Sep 2026 04:13:22 -0400https://alexbregman.amadablam.edu.np/how-long-does-it-take-to-get-inheritance-money-in-pennsylvania.htmlhttps://alexbregman.amadablam.edu.np/how-long-does-it-take-to-get-inheritance-money-in-pennsylvania.htmlOnce the Pennsylvania inheritance tax return is prepared and filed it can take the Department of Revenue up to one year to review and approve the return. It typically takes 6 to 9 months for the approval process but can take up to 1 year. How long does the probate process take in Pennsylvania? A typ...Mon, 28 Sep 2026 03:21:30 -0400https://alexbregman.amadablam.edu.np/can-the-irs-come-after-your-inheritance.htmlhttps://alexbregman.amadablam.edu.np/can-the-irs-come-after-your-inheritance.htmlYes, the IRS Really Can Take Your Inheritance. Can the IRS attach an inherited IRA? The IRS can and will levy on retirement accounts to satisfy past due taxes. If the IRS authorizes an agent to levy on your IRA, the agent has the right to demand distribution from your retirement account within the p...Mon, 28 Sep 2026 03:17:46 -0400https://alexbregman.amadablam.edu.np/who-is-next-of-kin-when-a-child-dies.htmlhttps://alexbregman.amadablam.edu.np/who-is-next-of-kin-when-a-child-dies.htmlIf someone dies a California resident, their next of kin are generally the following persons, in the following order: Surviving spouse or registered domestic partner. Child(ren) Grandchildren. What is the order of legal next of kin? Each jurisdiction has adopted the following broad order of those re...Mon, 28 Sep 2026 03:13:26 -0400https://alexbregman.amadablam.edu.np/do-you-lose-money-if-you-take-your-pension-early.htmlhttps://alexbregman.amadablam.edu.np/do-you-lose-money-if-you-take-your-pension-early.htmlFirst, the company unlocking your pension will charge fees. Your pension provider will then tell HMRC you’ve withdrawn this money – they’re required to do this by law. You will then be hit with a tax bill of 55% on what you withdrew. This means you could lose up to 85% of what you wanted to take out...Mon, 28 Sep 2026 02:49:47 -0400https://alexbregman.amadablam.edu.np/what-is-a-social-security-retiree.htmlhttps://alexbregman.amadablam.edu.np/what-is-a-social-security-retiree.htmlSocial Security is part of the retirement plan for almost every American worker. It provides replacement income for qualified retirees and their families. This section of our website helps you better understand the program, the application process, and the online tools and resources available to you...Mon, 28 Sep 2026 02:45:14 -0400https://alexbregman.amadablam.edu.np/how-quickly-does-mesothelioma-develop.htmlhttps://alexbregman.amadablam.edu.np/how-quickly-does-mesothelioma-develop.htmlMesothelioma caused by asbestos exposure typically takes 20 to 50 years to develop. It is very rare to have a latency period of less than 15 years, while the longest cases have been around 60 to 70 years. How do you catch mesothelioma early? “For people with known exposure to asbestos,” explains the...Mon, 28 Sep 2026 02:33:25 -0400https://alexbregman.amadablam.edu.np/can-an-employer-clawback-wages.htmlhttps://alexbregman.amadablam.edu.np/can-an-employer-clawback-wages.htmlEmployers can’t take money out of an employee’s pay to fix up a mistake or overpayment. Instead, the employer and employee should discuss and agree on a repayment arrangement. If the employee agrees to repay the money, a written agreement has to be made and has to set out: the amount of money overpa...Mon, 28 Sep 2026 02:22:22 -0400https://alexbregman.amadablam.edu.np/how-much-do-freelance-graphic-designers-charge-per-project.htmlhttps://alexbregman.amadablam.edu.np/how-much-do-freelance-graphic-designers-charge-per-project.htmlAt the low end, newbies charge from $25 to $50 per hour. Project-based rates vary from designer to designer and from project to project. For example, a logo designing project is usually charged around $150 – $450 if the graphic designer uses standardized templates adapted for your specific business ...Mon, 28 Sep 2026 02:19:29 -0400https://alexbregman.amadablam.edu.np/what-are-the-working-conditions-of-a-small-business-owner.htmlhttps://alexbregman.amadablam.edu.np/what-are-the-working-conditions-of-a-small-business-owner.htmlSmall business owners generally work well over forty hours a week. Some continue to hold salaried jobs with other employers until their business is established. Small business owners may face economic uncertainty at times, but those who succeed gain a great sense of personal satisfaction. What does ...Mon, 28 Sep 2026 02:10:33 -0400https://alexbregman.amadablam.edu.np/can-you-bring-your-parents-to-europe-permanently.htmlhttps://alexbregman.amadablam.edu.np/can-you-bring-your-parents-to-europe-permanently.htmlThe same applies to UK nationals living in or moving to an EU country. In principle, you and your family members will continue to have permanent residence in your host country. This includes non‑EU family members. In the UK, you must however apply to the EU settlement scheme to be granted a new resi...Mon, 28 Sep 2026 01:42:17 -0400https://alexbregman.amadablam.edu.np/can-a-mortgage-bond-be-traded.htmlhttps://alexbregman.amadablam.edu.np/can-a-mortgage-bond-be-traded.htmlUnderstanding Mortgage-Backed Security (MBS) The investor who buys a mortgage-backed security is essentially lending money to home buyers. An MBS can be bought and sold through a broker. Are mortgage bonds secured by real property? Most investors favor MBSs over treasury bonds as the safer investmen...Mon, 28 Sep 2026 01:40:43 -0400https://alexbregman.amadablam.edu.np/what-is-the-largest-ranch-in-west-texas.htmlhttps://alexbregman.amadablam.edu.np/what-is-the-largest-ranch-in-west-texas.htmlThe Four Sixes Ranch – 275,000 acres The ranch has three locations across West Texas and in the panhandle, growing from 100 head of cattle into one of the biggest ranches in the state. What is the largest ranch in Texas for sale? GUTHRIE, Texas – A massive North Texas ranch is for sale to the tune o...Mon, 28 Sep 2026 01:34:32 -0400https://alexbregman.amadablam.edu.np/can-you-increase-your-social-security-deductions.htmlhttps://alexbregman.amadablam.edu.np/can-you-increase-your-social-security-deductions.htmlIncreasing your income by asking for a raise or earning income from a side job will increase the amount you receive from Social Security in retirement. Earnings of up to $132,900 in 2019 are used to calculate your retirement payments. Work until your full retirement age. Working for 35 years or more...Mon, 28 Sep 2026 01:23:36 -0400https://alexbregman.amadablam.edu.np/how-can-i-open-pte-ltd-company-in-singapore.htmlhttps://alexbregman.amadablam.edu.np/how-can-i-open-pte-ltd-company-in-singapore.htmlThe key requirements to register a private limited company in Singapore are as follows: At least one shareholder (individual or corporate entity) One resident director. One company secretary. Initial paid-up share capital of at least S$1. A physical Singapore office address. How do I open a Pte Ltd ...Mon, 28 Sep 2026 00:59:00 -0400https://alexbregman.amadablam.edu.np/is-it-legal-to-sell-ebooks-online.htmlhttps://alexbregman.amadablam.edu.np/is-it-legal-to-sell-ebooks-online.htmlIs selling EBooks Illegal in the Philippines? It is not illegal to sell eBooks in the Philippines. However, if a reader were to share, copy, or profit from someone else’s eBook without permission, this practice would be illegal. The Philippines also has a copyright protection law governed by Republi...Mon, 28 Sep 2026 00:51:14 -0400https://alexbregman.amadablam.edu.np/how-do-i-qualify-for-a-short-sale.htmlhttps://alexbregman.amadablam.edu.np/how-do-i-qualify-for-a-short-sale.htmlTo qualify for a short sale, the property’s value must fall below the outstanding mortgage balance (including all fees and penalties). The homeowner can commission a formal appraisal to determine the property’s market value. What is a short sale approval? A short sale approval letter is a letter tha...Mon, 28 Sep 2026 00:30:00 -0400https://alexbregman.amadablam.edu.np/do-i-still-owe-money-after-foreclosure.htmlhttps://alexbregman.amadablam.edu.np/do-i-still-owe-money-after-foreclosure.htmlAfter foreclosure, you might still owe your bank some money (the deficiency), but the security (your house) is gone. So, the deficiency is now an unsecured debt. One of these documents was a promissory note, in which you promised to repay the mortgage debt to your lender. Can a mortgage company sue ...Mon, 28 Sep 2026 00:26:10 -0400https://alexbregman.amadablam.edu.np/are-bookkeepers-still-needed.htmlhttps://alexbregman.amadablam.edu.np/are-bookkeepers-still-needed.htmlPayroll, collating turnover and expenses and creating journals are the kinds of functions bookkeepers will still be essential for in the future. The streamlining of accounts by using the cloud removes much of the laborious work previously undertaken by bookkeepers. This potentially frees you up to g...Mon, 28 Sep 2026 00:20:25 -0400https://alexbregman.amadablam.edu.np/what-if-i-withdraw-too-much-from-529.htmlhttps://alexbregman.amadablam.edu.np/what-if-i-withdraw-too-much-from-529.htmlTaking too much money. You or your beneficiary — you get to choose who receives the money — will have to report taxable income and pay a 10% federal penalty tax on the earnings portion of the non-qualified distribution. The principal portion of your 529 withdrawal is not subject to tax or penalty. C...Mon, 28 Sep 2026 00:13:31 -0400https://alexbregman.amadablam.edu.np/how-is-a-person-declared-disabled.htmlhttps://alexbregman.amadablam.edu.np/how-is-a-person-declared-disabled.htmlThe ADA defines a person with a disability as a person who has a physical or mental impairment that substantially limits one or more major life activity. This includes people who have a record of such an impairment, even if they do not currently have a disability. What is a closed period of disabili...Mon, 28 Sep 2026 00:13:27 -0400https://alexbregman.amadablam.edu.np/why-did-i-get-a-bill-from-franchise-tax-board.htmlhttps://alexbregman.amadablam.edu.np/why-did-i-get-a-bill-from-franchise-tax-board.htmlWhy you received this notice You have a past due California income tax debt. If the debt is not paid in full, we will submit the debt to the U.S. Treasury Offset Program. This allows us to offset eligible federal tax payments due to you (such as your federal tax refund) and may result in an addition...Sun, 27 Sep 2026 23:20:59 -0400https://alexbregman.amadablam.edu.np/how-big-of-a-tractor-do-i-need-to-run-a-brush-hog.htmlhttps://alexbregman.amadablam.edu.np/how-big-of-a-tractor-do-i-need-to-run-a-brush-hog.htmlThe rule of thumb says that 5Hp is needed per foot of mower or cutter whenconsidering the PTO HP. According to this, for a 20 HP tractor, you need 4 feet of bush hog or brush hog, whatever you say. A 5 feet width bush hog can also give a fine cut also. What is the difference between a bush hog and a...Sun, 27 Sep 2026 23:05:53 -0400https://alexbregman.amadablam.edu.np/does-paying-cash-for-a-house-help-the-seller.htmlhttps://alexbregman.amadablam.edu.np/does-paying-cash-for-a-house-help-the-seller.htmlBenefits of Cash Paying cash for a home eliminates the need to pay interest on the loan and any closing costs. These benefits to the seller shouldn’t come without a price. “A cash buyer might be able to obtain the property for a lower price and receive a ‘cash discount’ of sorts,” says Grabel. Who p...Sun, 27 Sep 2026 23:03:39 -0400https://alexbregman.amadablam.edu.np/is-gold-and-silver-bullion-taxable.htmlhttps://alexbregman.amadablam.edu.np/is-gold-and-silver-bullion-taxable.htmlCalifornia sales tax is collected on specific products only. Any single sales transaction consisting of monetized bullion, nonmonetized gold or silver bullion, or numismatic coins when the total sale value is less than $1,500 USD. Do I pay tax on gold bullion? The reason: The U.S. Internal Revenue S...Sun, 27 Sep 2026 22:34:24 -0400https://alexbregman.amadablam.edu.np/do-i-pay-taxes-on-unclaimed-funds.htmlhttps://alexbregman.amadablam.edu.np/do-i-pay-taxes-on-unclaimed-funds.htmlUnderstanding Unclaimed Funds Unclaimed property is not taxed while it is filed as unclaimed; however, when it is reclaimed, the property may be officially recognized as taxable income. Some unclaimed funds such as investments from a 401(k) or an IRA can be reclaimed tax-free. How do I find unclaime...Sun, 27 Sep 2026 22:24:47 -0400https://alexbregman.amadablam.edu.np/are-second-mortgages-still-tax-deductible.htmlhttps://alexbregman.amadablam.edu.np/are-second-mortgages-still-tax-deductible.htmlHomeowners can deduct the interest on a second mortgage that is related to home equity debt only if the loan was used to acquire, build, or substantially improve a main or second home. What is a second position mortgage? A second mortgage or junior-lien is a loan you take out using your house as col...Sun, 27 Sep 2026 22:17:27 -0400https://alexbregman.amadablam.edu.np/what-happens-to-my-irs-direct-deposit-if-my-previous-bank-is-closed.htmlhttps://alexbregman.amadablam.edu.np/what-happens-to-my-irs-direct-deposit-if-my-previous-bank-is-closed.htmlWhat happens if my bank account is closed before my tax refund direct deposit is made? If the account is closed, the bank will reject the refund. Once we receive the refund back from the bank, the Comptroller’s Office will issue a paper check and mail it to you. Does the IRS know when you change ban...Sun, 27 Sep 2026 22:04:31 -0400https://alexbregman.amadablam.edu.np/how-did-disability-insurance-start.htmlhttps://alexbregman.amadablam.edu.np/how-did-disability-insurance-start.htmlMonthly disability insurance benefits were first established by the Social Security Amendments of 1956. Benefits were provided for disabled insured workers between the ages of 50 and 65 and for disabled children of retired or deceased insured workers if the child was disabled before age 18. What are...Sun, 27 Sep 2026 21:44:36 -0400https://alexbregman.amadablam.edu.np/does-merrill-edge-have-bonds.htmlhttps://alexbregman.amadablam.edu.np/does-merrill-edge-have-bonds.htmlMerrill offers direct access to a broad array of bonds and other fixed-income securities. Can I cash a savings bond at Bank of America? To redeem your savings bond, the best place to start is the same place where you have a checking account. For example, at Bank of America, customers who have had a ...Sun, 27 Sep 2026 21:31:17 -0400https://alexbregman.amadablam.edu.np/does-ubit-apply-to-roth-iras.htmlhttps://alexbregman.amadablam.edu.np/does-ubit-apply-to-roth-iras.htmlWhen Would the UBIT Apply to My IRA? Today, the UBIT applies to any unrelated business income exceeding $1,000 earned by tax-exempt organizations and IRAs—including traditional IRAs, Roth IRAs, Coverdell IRAs, simplified employee pensions (SEP-IRAs), and savings incentive match plans for employees (...Sun, 27 Sep 2026 21:13:41 -0400https://alexbregman.amadablam.edu.np/what-is-considered-a-service-connected-disability.htmlhttps://alexbregman.amadablam.edu.np/what-is-considered-a-service-connected-disability.htmlA service-connect disability is an injury or illness that was directly caused by military service, sustained while in the military (both on duty and off duty injuries may be service connected, i.e. knee injury playing basketball off duty), was aggravated by military service, or was caused by conditi...Sun, 27 Sep 2026 21:03:08 -0400https://alexbregman.amadablam.edu.np/why-does-a-person-refinance.htmlhttps://alexbregman.amadablam.edu.np/why-does-a-person-refinance.htmlTo obtain a lower interest rate. To shorten the term of their mortgage. To convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa. To tap into home equity to raise funds to deal with a financial emergency, finance a large purchase, or consolidate debt. Is refinancing ...Sun, 27 Sep 2026 21:01:31 -0400https://alexbregman.amadablam.edu.np/is-investment-expense-an-itemized-deduction.htmlhttps://alexbregman.amadablam.edu.np/is-investment-expense-an-itemized-deduction.htmlInvestment Fees and Expenses Investment fees, custodial fees, trust administration fees, and other expenses you paid for managing your investments that produce taxable income are miscellaneous itemized deductions and are no longer deductible. How do I prepare itemized deductions? In order to claim i...Sun, 27 Sep 2026 20:16:51 -0400https://alexbregman.amadablam.edu.np/what-is-a-good-salary-for-knoxville-tn.htmlhttps://alexbregman.amadablam.edu.np/what-is-a-good-salary-for-knoxville-tn.htmlAbout Knoxville, TN The average salary in Knoxville, TN is $60k. What is a livable wage in Knoxville Tennessee? Living Wage Calculation for Knox County, Tennessee 1 ADULT 0 Children 2 Children Living Wage $13.01 $32.72 Poverty Wage $6.13 $10.44 Minimum Wage $7.25 $7.25 How much do you need to make...Sun, 27 Sep 2026 20:13:46 -0400https://alexbregman.amadablam.edu.np/where-do-i-report-gains-on-like-kind-exchange.htmlhttps://alexbregman.amadablam.edu.np/where-do-i-report-gains-on-like-kind-exchange.htmlExample of a Like-Kind Exchange Gain recognized because boot—cash, liabilities, or other property that is not like-kind and that is given or received in a like-kind exchange—was received is reported on Form 8949, Schedule D (Form 1040), or Form 4797, as applicable. Use Parts I, II, and III of Form 8...Sun, 27 Sep 2026 20:11:44 -0400https://alexbregman.amadablam.edu.np/why-do-i-feel-so-bad-after-making-a-mistake.htmlhttps://alexbregman.amadablam.edu.np/why-do-i-feel-so-bad-after-making-a-mistake.htmlIt’s normal to feel guilty when you know you’ve done something wrong, but guilt can also take root in response to events you didn’t have much, or anything, to do with. Owning up to mistakes is important, even if you only admit them to yourself. Some common causes of guilt include: surviving trauma o...Sun, 27 Sep 2026 20:08:47 -0400https://alexbregman.amadablam.edu.np/can-a-private-foundation-receive-a-grant.htmlhttps://alexbregman.amadablam.edu.np/can-a-private-foundation-receive-a-grant.htmlCan a private foundation make a grant to an organization other than a public charity? Yes, it can. However, a private foundation can make a grant to any organization (including section 501(c)(6) organizations) for bona fide section 501(c)(3) charitable purposes, so long as it engages in “expenditure...Sun, 27 Sep 2026 19:52:29 -0400https://alexbregman.amadablam.edu.np/what-does-it-mean-when-a-credit-card-company-charges-you-off.htmlhttps://alexbregman.amadablam.edu.np/what-does-it-mean-when-a-credit-card-company-charges-you-off.htmlA charge-off occurs when you don’t pay the full minimum payment on a debt for several months and your creditor writes it off as a bad debt. Basically, it means the company has given up hope that you’ll pay back the money you borrowed and considers the debt a loss on their profit-and-loss statement. ...Sun, 27 Sep 2026 19:51:53 -0400https://alexbregman.amadablam.edu.np/can-you-deduct-100-charitable-contributions.htmlhttps://alexbregman.amadablam.edu.np/can-you-deduct-100-charitable-contributions.htmlIndividuals may deduct qualified contributions of up to 100 percent of their adjusted gross income. A corporation may deduct qualified contributions of up to 25 percent of its taxable income. Contributions that exceed that amount can carry over to the next tax year. Can you write off as contribution...Sun, 27 Sep 2026 19:21:38 -0400https://alexbregman.amadablam.edu.np/what-is-the-function-of-non-profit-organization.htmlhttps://alexbregman.amadablam.edu.np/what-is-the-function-of-non-profit-organization.htmlWhat do nonprofits do? Nonprofit organizations allow people to come together and join resources in order to achieve goals that benefit the purpose for the organization’s being. In so doing, the revenue generated by the nonprofit organization is used for the betterment of the mission they seek to com...Sun, 27 Sep 2026 19:16:34 -0400https://alexbregman.amadablam.edu.np/do-you-pay-shipping-for-pampered-chef.htmlhttps://alexbregman.amadablam.edu.np/do-you-pay-shipping-for-pampered-chef.htmlStarting Oct. 1, 2020, standard shipping rates are the same for all orders: guest, host, individual, online, and consultant orders: Product amounts* up to $149.99 have a shipping rate of $7.95. Product amounts* $150 and over will receive free shipping. Does Pampered Chef ship free? Today’s The Pampe...Sun, 27 Sep 2026 19:02:02 -0400https://alexbregman.amadablam.edu.np/what-is-tail-coverage-for-malpractice-insurance.htmlhttps://alexbregman.amadablam.edu.np/what-is-tail-coverage-for-malpractice-insurance.htmlHistorically “Tail Coverage” is an extended reporting period endorsement, offered by a physician’s current malpractice insurance carrier, which allows an insured physician the option to extend coverage after the cancellation or termination of a claims-made policy. Is Tail coverage required? Tail cov...Sun, 27 Sep 2026 18:54:04 -0400https://alexbregman.amadablam.edu.np/how-do-i-get-funding-for-my-first-business.htmlhttps://alexbregman.amadablam.edu.np/how-do-i-get-funding-for-my-first-business.htmlDetermine how much funding you’ll need. Fund your business yourself with self-funding. Get venture capital from investors. Use crowdfunding to fund your business. Get a small business loan. Use Lender Match to find lenders who offer SBA-guaranteed loans. SBA investment programs. Can I get funding fo...Sun, 27 Sep 2026 18:32:27 -0400https://alexbregman.amadablam.edu.np/do-you-pay-estate-tax-on-inherited-stock.htmlhttps://alexbregman.amadablam.edu.np/do-you-pay-estate-tax-on-inherited-stock.htmlYou are not liable for taxes on the inherited value of stocks you receive from someone who died. The estate of the deceased person takes care of any tax issues, and once you have received stock as part of an inheritance, the stock is yours without any taxes due. How do you establish cost basis for i...Sun, 27 Sep 2026 18:32:10 -0400https://alexbregman.amadablam.edu.np/can-i-pay-monthly-for-solar-panels.htmlhttps://alexbregman.amadablam.edu.np/can-i-pay-monthly-for-solar-panels.htmlPaying for your solar panel system on finance lets you spread the costs by splitting it into manageable monthly payments. 0% APR means you’ll pay no interest charges so all you’re paying for is the solar panels and the cost of installation. Is it smart to pay off solar panels? SOLAR PANELS // 7-20 Y...Sun, 27 Sep 2026 18:28:47 -0400https://alexbregman.amadablam.edu.np/what-information-is-needed-for-1099s.htmlhttps://alexbregman.amadablam.edu.np/what-information-is-needed-for-1099s.htmlGather the required information Before you can complete and submit a 1099, you’ll need to have the following information on hand for each independent contractor: The total amount you paid them during the tax year. Their legal name. Their address. How do I enter a 1099 s in Turbotax? Form 1099 S is e...Sun, 27 Sep 2026 18:27:22 -0400https://alexbregman.amadablam.edu.np/what-is-the-best-day-to-play-slot-machines.htmlhttps://alexbregman.amadablam.edu.np/what-is-the-best-day-to-play-slot-machines.htmlUsually, the best time that you can choose to go to a casino is when the venue is as busy as possible, which means that Friday and Saturday nights, after 8:00 pm is your time. Of course, you can give it a try and ask someone from the staff which is the best time or day to play slots too. Do slot mac...Sun, 27 Sep 2026 18:24:25 -0400https://alexbregman.amadablam.edu.np/can-a-musician-be-self-employed.htmlhttps://alexbregman.amadablam.edu.np/can-a-musician-be-self-employed.htmlMost working musicians are considered “self-employed” regarding filing their taxes. In a legal and taxpaying sense this means that your “business” as a musician and you as an individual taxpayer are one and the same. All these forms are part of the year-end 1040 income tax filing. How many musicians...Sun, 27 Sep 2026 18:08:40 -0400https://alexbregman.amadablam.edu.np/are-townhomes-considered-single-family-homes.htmlhttps://alexbregman.amadablam.edu.np/are-townhomes-considered-single-family-homes.htmlPerhaps the most obvious difference between a townhouse vs. single family home is the structure. Townhouses are attached to one another, with each having at least one shared wall with adjacent townhomes. Single-family homes are freestanding, typically on a plot of land that also belongs to the homeo...Sun, 27 Sep 2026 17:46:57 -0400https://alexbregman.amadablam.edu.np/what-is-the-new-york-state-child-and-dependent-care-credit.htmlhttps://alexbregman.amadablam.edu.np/what-is-the-new-york-state-child-and-dependent-care-credit.htmlThe federal and New York State Child and Dependent Care Credits include expenses for qualifying children up to the age of 13 and certain dependents other than children. The federal Child and Dependent Care Credit is worth up to $2,100. It can only reduce the amount of tax you owe and cannot be claim...Sun, 27 Sep 2026 17:43:08 -0400https://alexbregman.amadablam.edu.np/what-do-you-say-when-someone-buys-their-first-house.htmlhttps://alexbregman.amadablam.edu.np/what-do-you-say-when-someone-buys-their-first-house.htmlShort & Sweet Messages Wishing you lots of love and happiness in your new home. Here’s to the start of a wonderful adventure. Home sweet home! Get ready to create tons of memories in your new place. Good luck with the house move. Congratulations! You’ve got the keys! Can’t wait to see your fan...Sun, 27 Sep 2026 16:33:32 -0400https://alexbregman.amadablam.edu.np/can-an-ex-spouse-be-a-beneficiary.htmlhttps://alexbregman.amadablam.edu.np/can-an-ex-spouse-be-a-beneficiary.htmlIn addition to settlement agreements, when it comes to certain legal and financial documents, such as wills and insurance policies, an ex-spouse or his or her family may remain beneficiaries despite a divorce having been finalized. Can life insurance beneficiaries be contested? Any person with a val...Sun, 27 Sep 2026 16:26:35 -0400https://alexbregman.amadablam.edu.np/is-a-government-employee-a-federal-employee.htmlhttps://alexbregman.amadablam.edu.np/is-a-government-employee-a-federal-employee.htmlAmong the legislative, judicial and executive branches of the federal government, the opportunities for employment are vast. Politicians and legislative staff, civil servants and members of the armed forces are all considered federal employees. What is OPM for federal employees? The U.S. Office of P...Sun, 27 Sep 2026 16:14:06 -0400https://alexbregman.amadablam.edu.np/can-i-get-disability-for-keratoconus.htmlhttps://alexbregman.amadablam.edu.np/can-i-get-disability-for-keratoconus.htmlIs Keratoconus a Disability? Keratoconus eye disease could cause loss of visual acuity that is severe enough to be considered a disability. Keratoconus is not a disability, but vision loss caused by keratoconus may be severe enough to qualify as a disability. What prescription strength is legally bl...Sun, 27 Sep 2026 16:03:29 -0400https://alexbregman.amadablam.edu.np/where-do-taxes-show-up-on-balance-sheet.htmlhttps://alexbregman.amadablam.edu.np/where-do-taxes-show-up-on-balance-sheet.htmlIncome tax payable is found under the current liabilities section of a company’s balance sheet. Does tax appear on balance sheet? Taxes appear in some form in all three of the major financial statements: the balance sheet, the income statement, and the cash flow statement. Sales tax and use tax are ...Sun, 27 Sep 2026 15:55:51 -0400https://alexbregman.amadablam.edu.np/how-much-money-can-you-make-selling-website-templates.htmlhttps://alexbregman.amadablam.edu.np/how-much-money-can-you-make-selling-website-templates.htmlThe “web design template” industry hasn’t even been around for a decade yet, but hundreds (if not thousands) of other web designers are making anywhere from $500 to $30,000 a month by selling their designs online. How can I sell my website template online? 10 Places to Sell Templates Theme Forest. T...Sun, 27 Sep 2026 15:35:50 -0400https://alexbregman.amadablam.edu.np/is-working-for-melaleuca-legit.htmlhttps://alexbregman.amadablam.edu.np/is-working-for-melaleuca-legit.htmlMelaleuca is a great company to work for. If you are a performer and want to make a difference this is the place to be. Put the time in, take on the challenging projects, and you’ll be recognized and rewarded. Melaleuca is a tribal knowledge culture. Is the wellness company a pyramid scheme? The com...Sun, 27 Sep 2026 14:55:12 -0400https://alexbregman.amadablam.edu.np/what-is-schedule-d-part1.htmlhttps://alexbregman.amadablam.edu.np/what-is-schedule-d-part1.htmlPart I. Short-Term Capital Gains and Losses—Generally Assets Held One Year or Less (see instructions) See instructions for how to figure the amounts to enter on the lines below. This form may be easier to complete if you round off cents to whole dollars. (d) What sales are reported on Schedule D? Us...Sun, 27 Sep 2026 14:23:22 -0400