https://snlseason.cagps.edu.bdModern hype stories with a lively online feel.en-usThu, 24 Sep 2026 22:19:53 -0400https://snlseason.cagps.edu.bd/can-you-get-a-new-check-if-it-expires.htmlhttps://snlseason.cagps.edu.bd/can-you-get-a-new-check-if-it-expires.htmlIf the expired check was a cashier’s check, also known as a bank or certified check, visit your local branch to have a new one issued. If you want to place a stop payment on the original check, doing so is at the bank’s discretion. Typically, banks will only do so if the cashier’s check is lost or s...Fri, 25 Sep 2026 01:56:12 -0400https://snlseason.cagps.edu.bd/what-is-the-401k-compensation-limit-for-2020.htmlhttps://snlseason.cagps.edu.bd/what-is-the-401k-compensation-limit-for-2020.htmlThe annual limits are: salary deferrals – $19,500 in 2020 and 2021 ($19,000 in 2019), plus $6,500 in 2020 and 2021 ($6,000 in 2015 – 2019) if the employee is age 50 or older (IRC Sections 402(g) and 414(v)) annual compensation – $290,000 in 2021, $285,000 in 2020, $280,000 in 2019 (IRC Section 401(a...Fri, 25 Sep 2026 01:54:26 -0400https://snlseason.cagps.edu.bd/when-can-you-cash-out-a-403b-without-penalty.htmlhttps://snlseason.cagps.edu.bd/when-can-you-cash-out-a-403b-without-penalty.html55 If you retire or are laid off in the calendar year you turn 55 or later—or the year you turn 50 if you’re a public service employee—you can withdraw funds from your current 403(b) or 401(k) plan without paying the early withdrawal 403(b) or 401(k) penalty. Do I pay taxes on 403b withdrawal after ...Fri, 25 Sep 2026 01:49:09 -0400https://snlseason.cagps.edu.bd/which-is-the-best-property-management-system.htmlhttps://snlseason.cagps.edu.bd/which-is-the-best-property-management-system.htmlTop 10 Property Management Software AppFolio. Buildium. Yardi Voyager. Innago. Yardi Breeze. ResMan. Condo Control. LeaseHawk. What is rental management system? A property management system (PMS) is a software application for the operations of hospitality accommodations and commercial residential re...Fri, 25 Sep 2026 01:49:07 -0400https://snlseason.cagps.edu.bd/can-my-employer-change-my-location-of-work.htmlhttps://snlseason.cagps.edu.bd/can-my-employer-change-my-location-of-work.htmlIf an employer moves the location of their business, employees should check their employment contract for a ‘mobility clause’. It means that employers can normally force their employees to move to places allowed by the clause, unless this is completely unreasonable. Will laid off workers be rehired?...Fri, 25 Sep 2026 01:23:11 -0400https://snlseason.cagps.edu.bd/is-a-reverse-mortgage-good-for-seniors.htmlhttps://snlseason.cagps.edu.bd/is-a-reverse-mortgage-good-for-seniors.htmlReverse mortgages offer older adults a way to use their home equity to fund their retirement. Anyone seeking a reverse mortgage must get reverse mortgage counseling before taking out a loan. If you get a reverse mortgage, you are still responsible for costs such as property taxes and insurance. Unde...Fri, 25 Sep 2026 00:48:14 -0400https://snlseason.cagps.edu.bd/what-upgrades-are-worth-it-in-a-new-build.htmlhttps://snlseason.cagps.edu.bd/what-upgrades-are-worth-it-in-a-new-build.htmlNew Construction Upgrades that Add Value Wood floors. Generally, carpet comes standard everywhere except for the kitchen, bathrooms, entryway and hallways. Roughed-in plumbing. Electrical. Master bathroom tilework. Radiant floor heating. Deeper basement. Appliances. Lighting. What should be i...Fri, 25 Sep 2026 00:31:53 -0400https://snlseason.cagps.edu.bd/what-are-lawyers-often-called.htmlhttps://snlseason.cagps.edu.bd/what-are-lawyers-often-called.htmlA lawyer (also called attorney, counsel, or counselor) is a licensed professional who advises and represents others in legal matters. What is a beginning lawyer called? Practicing attorney An associate may be a junior or senior attorney, but normally does not hold an ownership interest in the firm e...Fri, 25 Sep 2026 00:30:08 -0400https://snlseason.cagps.edu.bd/what-are-some-investment-choices.htmlhttps://snlseason.cagps.edu.bd/what-are-some-investment-choices.html12 best investments High-yield savings accounts. Certificates of deposit (CDs) Money market funds. Government bonds. Corporate bonds. Mutual funds. Index funds. Exchange-traded funds (ETFs) What are some bad investments? Below are some investment vehicles most investors should avoid because they rep...Fri, 25 Sep 2026 00:19:20 -0400https://snlseason.cagps.edu.bd/do-casinos-provide-win-loss-statement.htmlhttps://snlseason.cagps.edu.bd/do-casinos-provide-win-loss-statement.htmlCasinos offer a win-loss statement for their slot players that itemizes coin-in and coin-out, but vary in their player-tracking policies for other types of play. The casino will give you a copy of the gambling win, on Form W-2G and send a copy to the IRS. What does coin-in mean casino? Coin-In – The...Fri, 25 Sep 2026 00:15:43 -0400https://snlseason.cagps.edu.bd/what-is-a-transaction-broker-for-the-buyer.htmlhttps://snlseason.cagps.edu.bd/what-is-a-transaction-broker-for-the-buyer.htmlA transaction brokerage provides third-party real estate services to buyers and sellers. A real estate agent is, by law, legally bound to assist only one party in a real estate transaction. Instead of acting as an agent for the buyer or seller, the transaction broker can be described as a profession...Fri, 25 Sep 2026 00:03:09 -0400https://snlseason.cagps.edu.bd/what-does-claiming-dependents-on-w4-mean.htmlhttps://snlseason.cagps.edu.bd/what-does-claiming-dependents-on-w4-mean.htmlAnswer. On your W-4 Form you claim allowances, which your employer uses to calculate the tax withheld from your paycheck. The number of dependents you have factors into your overall W-4 allowances. Many people simply count their family members and put that number down as the number of allowances on ...Fri, 25 Sep 2026 00:01:32 -0400https://snlseason.cagps.edu.bd/is-food-going-taxable-in-ohio.htmlhttps://snlseason.cagps.edu.bd/is-food-going-taxable-in-ohio.htmlIn Ohio food ordered as takeout or delivery is not subject to sales tax. Certain items like alcohol and soft drinks with added sugar (e.g., pop/soda, fruit juices that are less than 50% juice) are not considered food and subject to sales tax, regardless if part of a take-out order or intended for di...Thu, 24 Sep 2026 23:46:41 -0400https://snlseason.cagps.edu.bd/what-is-the-minimum-term-for-a-car-lease.htmlhttps://snlseason.cagps.edu.bd/what-is-the-minimum-term-for-a-car-lease.htmlMost new car leases are written for a minimum of two years (24 months), with a three-year (36 month) leases being the most common. How much money should you have before leasing a car? It’s recommended you spend no more than about $2,000 upfront when you lease a car. In some cases, it may make sense ...Thu, 24 Sep 2026 23:40:53 -0400https://snlseason.cagps.edu.bd/how-much-tax-will-my-ltd-company-pay.htmlhttps://snlseason.cagps.edu.bd/how-much-tax-will-my-ltd-company-pay.htmlThe current rate of Corporation Tax for limited companies is 19% and you pay that on your total profits (minus allowable business expenses). Limited companies do not have to pay income tax or national insurance. What is profit in a limited company? Company profits are distributed in accordance with ...Thu, 24 Sep 2026 23:36:59 -0400https://snlseason.cagps.edu.bd/what-happens-after-6-months-of-not-paying-credit-cards.htmlhttps://snlseason.cagps.edu.bd/what-happens-after-6-months-of-not-paying-credit-cards.htmlSix months (or 180 days) after you stop making your credit card payments, your account will be charged off. In this case, the credit card company writes off your unpaid debt as a business loss. How long can you go without paying a credit card bill? A credit card payment is generally considered late ...Thu, 24 Sep 2026 23:18:05 -0400https://snlseason.cagps.edu.bd/can-a-spouse-hide-money-before-a-divorce.htmlhttps://snlseason.cagps.edu.bd/can-a-spouse-hide-money-before-a-divorce.htmlIf you lie during discovery or your deposition in order to hide assets, you’ve committed perjury (a punishable crime). If your lies are discovered by your spouse, your spouse’s attorney, or a judge, you may face severe sanctions (monetary fines) or a perjury charge. Unfortunately, some spouses attem...Thu, 24 Sep 2026 23:02:39 -0400https://snlseason.cagps.edu.bd/how-much-do-timeshare-sales-make.htmlhttps://snlseason.cagps.edu.bd/how-much-do-timeshare-sales-make.htmlThe annual income for a timeshare sales rep is generally between $70,000 USD and $120,000 USD. A new timeshare sales rep is expected to make around 2-3 sales per ten clients that they come in contact with, which means at least 2-3 sales each week. How much do timeshares make a year? As of Jul 16, 20...Thu, 24 Sep 2026 22:53:54 -0400https://snlseason.cagps.edu.bd/do-you-get-taxed-based-on-where-you-work-or-live.htmlhttps://snlseason.cagps.edu.bd/do-you-get-taxed-based-on-where-you-work-or-live.htmlThe easy rule is that you must pay non-resident income taxes for the state in which you work and resident income taxes for the state in which you live, while filing income tax returns for both states. Do I have to pay Kansas City tax? All Kansas City, Missouri, residents are required to pay the earn...Thu, 24 Sep 2026 22:39:08 -0400https://snlseason.cagps.edu.bd/what-is-investment-house-and-example.htmlhttps://snlseason.cagps.edu.bd/what-is-investment-house-and-example.htmlUnder international financial reporting standards, investment property is property that an entity holds to earn rental income and/or capital appreciation. Examples of investment property are land held for appreciation and a building held for current or future leases to third parties. What are the qu...Thu, 24 Sep 2026 22:24:22 -0400https://snlseason.cagps.edu.bd/what-are-the-things-to-consider-when-deciding-to-work-abroad.htmlhttps://snlseason.cagps.edu.bd/what-are-the-things-to-consider-when-deciding-to-work-abroad.html5 Things to Consider When Deciding to Work Abroad Legal stuff—Visa, work permit, and any other paperwork. Do the math—Expected salary, taxes, and cost of living. Working conditions—Hours, holidays, and health insurance. Can you handle it? Keeping in touch with your roots—Family and friends. Is i...Thu, 24 Sep 2026 22:18:15 -0400https://snlseason.cagps.edu.bd/do-you-have-to-pay-taxes-if-you-trade-vehicles.htmlhttps://snlseason.cagps.edu.bd/do-you-have-to-pay-taxes-if-you-trade-vehicles.htmlWhen you trade a vehicle you pay taxes on the difference, and if there’s no difference then you don’t pay any taxes. Does trade in affect sales tax? Save on Used Car Tax with a Trade In at Purchase California sales tax rates are among the highest in the country and range from about 8% all the way up...Thu, 24 Sep 2026 22:16:54 -0400https://snlseason.cagps.edu.bd/does-social-security-disability-count-as-income-for-va-pension.htmlhttps://snlseason.cagps.edu.bd/does-social-security-disability-count-as-income-for-va-pension.htmlVA pension is for veterans who are totally disabled with conditions that are not service connected. Yes, you may receive Social Security benefits and disability payments at the same time. However, since you aren’t eligible for disability payments, any money you receive from Social Security is counte...Thu, 24 Sep 2026 22:16:08 -0400https://snlseason.cagps.edu.bd/do-you-pay-taxes-on-short-term-trades.htmlhttps://snlseason.cagps.edu.bd/do-you-pay-taxes-on-short-term-trades.htmlShort-term capital gains are taxed as though they are ordinary income. Any income you receive from investments that you held for less than a year must be included in your taxable income for that year. How much can I trade without paying tax? If your annual gross trading or property income, from one ...Thu, 24 Sep 2026 22:06:07 -0400https://snlseason.cagps.edu.bd/how-many-medical-students-graduated-in-2020.htmlhttps://snlseason.cagps.edu.bd/how-many-medical-students-graduated-in-2020.html30,000 medical students May 27, 2020 The AMA’s national tribute to the medical school class of 2020 honors the 30,000 medical students who graduated this spring. Are you a doctor once you graduate medical school? As with other doctoral programs, graduating from medical school makes you a doctor, and...Thu, 24 Sep 2026 21:56:43 -0400https://snlseason.cagps.edu.bd/what-businesses-require-a-license-in-virginia.htmlhttps://snlseason.cagps.edu.bd/what-businesses-require-a-license-in-virginia.htmlThe types of business activities that are regulated by federal agencies (may require a federal license or permit) are: Agriculture. Alcoholic beverages. Aviation. Firearms, ammunition, and explosives. Fish and wildlife. Commercial fisheries. Maritime transportation. Mining and drilling. How much wor...Thu, 24 Sep 2026 21:22:14 -0400https://snlseason.cagps.edu.bd/how-do-you-use-continuing-education-in-a-sentence.htmlhttps://snlseason.cagps.edu.bd/how-do-you-use-continuing-education-in-a-sentence.htmlContinuing education through open and distance learning is an attractive way to acquire informatics skills. Continuing education impact on practice and health 21. Continuing education credit was made available for nurses, social workers, and other health professionals. Why is it important to partici...Thu, 24 Sep 2026 20:53:15 -0400https://snlseason.cagps.edu.bd/how-can-i-transfer-my-dead-body-from-usa-to-pakistan.htmlhttps://snlseason.cagps.edu.bd/how-can-i-transfer-my-dead-body-from-usa-to-pakistan.htmlRequirements: Death Certificate. Transit Burial Permit. Non-Communicable disease certificate. Embalming Certificate. Notarized copy of Pakistani or Foreign Passport/CNIC Card/NICOP Card or any proof of Pakistani Citizenship. Self Addressed Prepaid return envelope preferable through USPS with a track...Thu, 24 Sep 2026 20:38:12 -0400https://snlseason.cagps.edu.bd/is-401k-contribution-subject-to-fica-tax.htmlhttps://snlseason.cagps.edu.bd/is-401k-contribution-subject-to-fica-tax.htmlYou are required to pay FICA tax on all contributions you make to your 401(k) plan. However, if your employer makes contributions to your 401(k), these funds are not subject to FICA tax. Does 401k contribution affect FICA? While 401(k) contributions from your wages are a great way to save for retire...Thu, 24 Sep 2026 20:26:47 -0400https://snlseason.cagps.edu.bd/what-makes-you-a-good-fit-for-this-job-receptionist.htmlhttps://snlseason.cagps.edu.bd/what-makes-you-a-good-fit-for-this-job-receptionist.html“A great receptionist has excellent organizational skills, is a valuable resource that employees can count on, and has a positive and friendly attitude at all times. A receptionist is the first face of the company that many clients will see, so it’s vital to make a great first impression.” How do yo...Thu, 24 Sep 2026 20:16:08 -0400https://snlseason.cagps.edu.bd/what-is-the-fastest-way-to-start-a-business.htmlhttps://snlseason.cagps.edu.bd/what-is-the-fastest-way-to-start-a-business.html7 Steps to Starting Your Own Business Quickly and Effectively Make Sure Entrepreneurship Is What You Really Want. Decide What Kind of Business You Want. Research Your Idea. Write a Business Plan. Choose a Business Structure. Assemble Your Team. Handle the Paperwork. Final Thoughts on Starting Your O...Thu, 24 Sep 2026 20:00:07 -0400https://snlseason.cagps.edu.bd/who-fills-out-the-final-decree-of-divorce.htmlhttps://snlseason.cagps.edu.bd/who-fills-out-the-final-decree-of-divorce.htmlWhen signed by the judge, the Final Decree of Divorce ends your marriage and makes orders about your property and debt. It may include other orders depending on your case. The Final Decree of Divorce form must be completely filled out (except for the judge’s signature) before you go to court. The De...Thu, 24 Sep 2026 19:54:19 -0400https://snlseason.cagps.edu.bd/who-leads-a-local-church.htmlhttps://snlseason.cagps.edu.bd/who-leads-a-local-church.htmlBishops are the primary clergy, administering all sacraments and governing the church. Priests administer the sacraments and lead local congregations; they cannot ordain other clergy, however, nor consecrate buildings. In some denominations, deacons play a non-sacramental and assisting role in the l...Thu, 24 Sep 2026 19:40:46 -0400https://snlseason.cagps.edu.bd/do-you-need-a-charity-number-for-just-giving.htmlhttps://snlseason.cagps.edu.bd/do-you-need-a-charity-number-for-just-giving.htmlIf you don’t have your own charity registration number or Gift Aid number you may be able to join using your umbrella charity’s details. We’ll need confirmation from the umbrella charity that they are happy for you to use their details and we’ll need your branch’s bank details so we can pay donation...Thu, 24 Sep 2026 19:28:24 -0400https://snlseason.cagps.edu.bd/how-much-does-it-cost-to-own-and-maintain-a-pool.htmlhttps://snlseason.cagps.edu.bd/how-much-does-it-cost-to-own-and-maintain-a-pool.htmlAnnual Cost to Upkeep a Pool. Expect to spend between $1,200 and $1,800 per year in basic upkeep. Combined with swimming pool repairs and utilities, homeowners can spend as much as $3,000 to $5,000 per year to keep it in good, working condition. What every pool owner should have? Here are the top 10...Thu, 24 Sep 2026 19:26:38 -0400https://snlseason.cagps.edu.bd/does-irs-check-tax-returns.htmlhttps://snlseason.cagps.edu.bd/does-irs-check-tax-returns.htmlThe IRS does check each and every tax return that is filed. If there are any discrepancies, you will be notified through the mail. What does the IRS do when they process your return? Return data is entered into the computer. Validity checks are run and errors are corrected. Valid transactions are th...Thu, 24 Sep 2026 19:18:32 -0400https://snlseason.cagps.edu.bd/can-a-person-have-two-go-fund-me-accounts.htmlhttps://snlseason.cagps.edu.bd/can-a-person-have-two-go-fund-me-accounts.htmlAt this time, GoFundMe charity fundraisers can only connect to one benefitting charity per fundraiser. If you would like to raise money for multiple organizations, you will need to do one of the following: Create a different fundraiser for each organization that you would like to fundraise for. Can ...Thu, 24 Sep 2026 19:18:09 -0400https://snlseason.cagps.edu.bd/who-is-fbar-filed-with.htmlhttps://snlseason.cagps.edu.bd/who-is-fbar-filed-with.htmlWho Must File the FBAR? A United States person that has a financial interest in or signature authority over foreign financial accounts must file an FBAR if the aggregate value of the foreign financial accounts exceeds $10,000 at any time during the calendar year. FinCEN FBAR Requirements FBAR refers...Thu, 24 Sep 2026 18:53:37 -0400https://snlseason.cagps.edu.bd/can-a-joint-account-be-transferred-to-one-person.htmlhttps://snlseason.cagps.edu.bd/can-a-joint-account-be-transferred-to-one-person.htmlLogin to your joint account online or visit your bank branch. You may transfer funds from a joint account to a single account in this manner when both accounts are with the same bank. When visiting a branch in person, tell the bank teller you want to make a transfer. Is transferring money to a joint...Thu, 24 Sep 2026 18:19:26 -0400https://snlseason.cagps.edu.bd/is-it-illegal-to-sell-cars-from-a-residential-address.htmlhttps://snlseason.cagps.edu.bd/is-it-illegal-to-sell-cars-from-a-residential-address.htmlIllegal vehicle sales, trading and repairs It is illegal to trade, sell or repair vehicles (including caravans) on the public highway or other public places, and we do not issue street trading licences for this purpose. Can I buy and sell cars for a living? You can earn almost fifty to a hundred per...Thu, 24 Sep 2026 18:05:02 -0400https://snlseason.cagps.edu.bd/does-receiving-a-gift-affect-medicaid-eligibility.htmlhttps://snlseason.cagps.edu.bd/does-receiving-a-gift-affect-medicaid-eligibility.htmlDoes Receiving a Gift Affect Medicaid Eligibility? Yes, receiving a gift can affect Medicaid eligibility. Remember, Medicaid has an asset limit for eligibility purposes, and even a small gift can push a Medicaid applicant / recipient over the limit. How do I protect my assets before going into a nur...Thu, 24 Sep 2026 17:50:51 -0400https://snlseason.cagps.edu.bd/what-are-the-chances-of-winning-a-sweepstakes.htmlhttps://snlseason.cagps.edu.bd/what-are-the-chances-of-winning-a-sweepstakes.htmlThe Best Sweepstakes Have Fewer Competing Entries Some sweepstakes have an astonishingly low number of entries. When you have a 1 in 50 chance of winning as opposed to a 1 in 50,000, your odds are obviously much better. Can you make a living off sweepstakes? Why Sweepstakes Entry Is a Bad Full-Time ...Thu, 24 Sep 2026 17:41:47 -0400https://snlseason.cagps.edu.bd/what-does-the-irs-stand-for-what-is-their-main-purpose.htmlhttps://snlseason.cagps.edu.bd/what-does-the-irs-stand-for-what-is-their-main-purpose.htmlThe Internal Revenue Service (IRS) administers the federal tax laws that Congress enacts. The IRS performs three main functions—tax return processing, taxpayer service, and enforcement. What 3 categories can you file your taxes as? Single Filing Status. The Single filing status is the most basic amo...Thu, 24 Sep 2026 17:15:25 -0400https://snlseason.cagps.edu.bd/can-you-put-headlights-on-a-golf-cart.htmlhttps://snlseason.cagps.edu.bd/can-you-put-headlights-on-a-golf-cart.htmlThere are universal headlights that will work on any golf cart. Installed below the front cowl like this one pictured they can come as two separate headlights or as a bar light. A lot of people find this golf cart light kit easy to install and use. Why are my golf cart headlights not working? The ma...Thu, 24 Sep 2026 17:15:07 -0400https://snlseason.cagps.edu.bd/can-assets-be-gifted.htmlhttps://snlseason.cagps.edu.bd/can-assets-be-gifted.htmlGifting is the term often used when you dispose of an asset, property or income for less than its market value. The disposal can be either a transfer to another person (including a family member), private company or trust for less than market value, or it can be a gift to a person, private company o...Thu, 24 Sep 2026 16:49:05 -0400https://snlseason.cagps.edu.bd/can-you-drive-long-distance-with-a-rental-car.htmlhttps://snlseason.cagps.edu.bd/can-you-drive-long-distance-with-a-rental-car.htmlRenting a car to drive cross-country Most U.S. rental car companies offer unlimited mileage car rentals, meaning there is no limit on how far you can go. If you’re searching for a cross-country car rental, simply make sure you’re booking an unlimited mileage car rental. Can you travel internationall...Thu, 24 Sep 2026 16:20:37 -0400https://snlseason.cagps.edu.bd/what-category-is-hurricane-ike.htmlhttps://snlseason.cagps.edu.bd/what-category-is-hurricane-ike.htmlCategory 4 Hurricane (SSHWS) Hurricane Ike/Category What category was Hurricane Ike when it landed on the Texas coast? Category 2 hurricane Aftermath Update on Sept. 19, six days after Hurricane Ike made landfall as a Category 2 hurricane, Texas is still experiencing the largest blackout in the hist...Thu, 24 Sep 2026 15:33:40 -0400https://snlseason.cagps.edu.bd/what-is-additional-tax-liability.htmlhttps://snlseason.cagps.edu.bd/what-is-additional-tax-liability.htmlTax liability is the amount of money in the form of tax debt you owe to tax authorities. It is the total amount of tax you are liable to pay to the government. It factors all the years and all the types of taxes you are due to pay to the income tax authorities. How do I find my tax liability on my w...Thu, 24 Sep 2026 15:31:56 -0400https://snlseason.cagps.edu.bd/when-renting-a-house-who-is-responsible-for-ac-repairs.htmlhttps://snlseason.cagps.edu.bd/when-renting-a-house-who-is-responsible-for-ac-repairs.htmlLandlords are responsible for proper heating and basic ventilation in the rental property. Air conditioning isn’t an essential service, but once it’s in the rental unit, the landlord should maintain it as needed. Whenever there is a serious emergency, the landlord should respond and solve the issue....Thu, 24 Sep 2026 15:11:15 -0400https://snlseason.cagps.edu.bd/is-tucson-az-a-good-place-to-invest-in-real-estate.htmlhttps://snlseason.cagps.edu.bd/is-tucson-az-a-good-place-to-invest-in-real-estate.htmlAll in all, the Tucson housing market is one of Arizona’s top markets in 2020. Its positive economic indicators, growing demand, increasing prices, and Airbnb and landlord friendliness make it a must-consider for Arizona real estate investors. How is the rental market in Tucson AZ? Key Market Stats:...Thu, 24 Sep 2026 15:07:36 -0400https://snlseason.cagps.edu.bd/what-to-do-if-an-employer-withholds-pay-after-you-quit.htmlhttps://snlseason.cagps.edu.bd/what-to-do-if-an-employer-withholds-pay-after-you-quit.htmlCalifornia’s final paycheck laws limit the time you can bring a claim against your former employer. If you’ve recently quit or been laid off from your job and received your paycheck late or have not received your paycheck under California laws, contact us at Workplace Rights Law Group or call (818) ...Thu, 24 Sep 2026 14:48:07 -0400https://snlseason.cagps.edu.bd/can-you-sell-in-a-deceased-account.htmlhttps://snlseason.cagps.edu.bd/can-you-sell-in-a-deceased-account.htmlIf you are the account beneficiary, the broker will ask you to furnish proof of the death, such as a copy of the death certificate. Once that is done, the brokerage firm will transfer the stock to you. You may then move the stocks to another account or place an order to sell the shares. What happens...Thu, 24 Sep 2026 14:14:39 -0400https://snlseason.cagps.edu.bd/can-i-claim-my-daughter-as-a-dependent-if-she-is-24.htmlhttps://snlseason.cagps.edu.bd/can-i-claim-my-daughter-as-a-dependent-if-she-is-24.htmlTo claim your child as your dependent, your child must meet either the qualifying child test or the qualifying relative test: To meet the qualifying child test, your child must be younger than you and either younger than 19 years old or be a “student” younger than 24 years old as of the end of the c...Thu, 24 Sep 2026 14:03:23 -0400https://snlseason.cagps.edu.bd/when-you-sell-a-stock-when-do-you-pay-taxes.htmlhttps://snlseason.cagps.edu.bd/when-you-sell-a-stock-when-do-you-pay-taxes.htmlYou generally must pay capital gains taxes on the stock sales if the value of the stock has gone up since you’ve owned it. Capital gains tax on stock you’ve had for more than a year is generally lower than ordinary income tax. If you’ve had the stock for less than a year, you simply pay your ordinar...Thu, 24 Sep 2026 13:31:13 -0400https://snlseason.cagps.edu.bd/how-do-i-file-mo-ptc.htmlhttps://snlseason.cagps.edu.bd/how-do-i-file-mo-ptc.htmlVisit The 2020 Form MO-PTC is due April 15, 2021, but you may file up to three years from the due date and still receive your credit. What is form Mo PTC? To claim real estate taxes for a prior year, you must file a claim for that year. Example: If you paid your 2018 real estate tax in calendar yea...Thu, 24 Sep 2026 13:25:38 -0400https://snlseason.cagps.edu.bd/how-much-do-owner-operators-bring-home.htmlhttps://snlseason.cagps.edu.bd/how-much-do-owner-operators-bring-home.htmlHow much an owner operator gets paid is affected greatly by expenses. According to Indeed, an independent truck driver’s gross pay averages $183,000 per year, but expenses can run over 70% percent. Thus the average owner operator pay drops to around $50,000-$60,000 take-home. Do owner operators get ...Thu, 24 Sep 2026 13:23:02 -0400https://snlseason.cagps.edu.bd/does-agent-orange-affect-the-lungs.htmlhttps://snlseason.cagps.edu.bd/does-agent-orange-affect-the-lungs.htmlIn 1994, based upon the IOM’s findings, the VA officially recognized respiratory cancers (including laryngeal cancer, and cancer of the lung, bronchus and trachea) as a presumptive condition caused by exposure to Agent Orange. Does Agent Orange cause interstitial lung disease? Interstitial lung dise...Thu, 24 Sep 2026 11:57:14 -0400https://snlseason.cagps.edu.bd/can-multiple-businesses-operate-under-one-llc.htmlhttps://snlseason.cagps.edu.bd/can-multiple-businesses-operate-under-one-llc.htmlThe answer is yes–it is possible and permissible to operate multiple businesses under one LLC. Many entrepreneurs who opt to do this use what is called a “Fictitious Name Statement” or a “DBA” (also known as a “Doing Business As”) to operate an additional business under a different name. Yes, you ca...Thu, 24 Sep 2026 11:55:19 -0400https://snlseason.cagps.edu.bd/what-time-do-banks-close-in-israel.htmlhttps://snlseason.cagps.edu.bd/what-time-do-banks-close-in-israel.htmlBanks 8.30am–12.30pm, occasionally 4pm–6.30pm Monday to Thursday. Many branches open on Sunday, some also open Friday morning. Bars and clubs 12 pm–midnight. Post offices 8am–12.30pm, occasionally 3.30pm–6pm Sunday to Thursday, 8am–noon Friday. Can I open a bank account online in Israel? To open an ...Thu, 24 Sep 2026 11:36:18 -0400https://snlseason.cagps.edu.bd/where-can-i-find-information-about-special-use-airspace.htmlhttps://snlseason.cagps.edu.bd/where-can-i-find-information-about-special-use-airspace.htmlObtaining Special Use Airspace Status Pilots can request the status of SUA by contacting the using or controlling agency. The frequency for the controlling agency is tabulated in the margins of the applicable IFR and VFR charts. What is the purpose of FDC NOTAMs? 1) FDC NOTAMs advise of changes in f...Thu, 24 Sep 2026 11:31:11 -0400https://snlseason.cagps.edu.bd/how-much-do-architects-make-if-they-own-their-own-business.htmlhttps://snlseason.cagps.edu.bd/how-much-do-architects-make-if-they-own-their-own-business.htmlThe average architect principal of a professional practice who is an owner (having some equity in the firm) is paid at a level of $147,452. The top 20 percent of such architect principals earn $205,778. There is typically an additional bonus, with the mean projected to be 45.6 percent. How do I star...Thu, 24 Sep 2026 11:12:36 -0400https://snlseason.cagps.edu.bd/what-is-the-average-carrying-costs-for-a-car-dealership.htmlhttps://snlseason.cagps.edu.bd/what-is-the-average-carrying-costs-for-a-car-dealership.htmlWhat is holding cost? Holding cost is the amount of money it takes per unit to keep and maintain your inventory. On average, the holding cost of a new car on the lot is about $40 a day, and $85 for a pre-owned. Can you put a car on hold at a dealership? Lastly, a dealer may ask for a deposit to hold...Thu, 24 Sep 2026 10:56:25 -0400https://snlseason.cagps.edu.bd/what-are-the-benefits-of-investing-in-land.htmlhttps://snlseason.cagps.edu.bd/what-are-the-benefits-of-investing-in-land.htmlThe Benefits of Investing in Land Considerable Flexibility. When you buy a piece of land, you can do what you want with it up to a certain extent. Low Prices are Out There. The Potential for Appreciation. Pay Cash if Possible. Weigh the Advantages of Holding Versus Flipping. Alterra Commercial ...Thu, 24 Sep 2026 10:43:52 -0400https://snlseason.cagps.edu.bd/what-is-the-sales-tax-on-an-rv-in-arizona.htmlhttps://snlseason.cagps.edu.bd/what-is-the-sales-tax-on-an-rv-in-arizona.htmlArizona collects a 6.6% state sales tax rate on the purchase of all vehicles. What is the sales tax for Mesa Arizona? 5.6% Mesa, Arizona sales tax rate details The Arizona sales tax rate is currently 5.6%. The County sales tax rate is 0.7%. The Mesa sales tax rate is 2%. How do I register for PA sal...Thu, 24 Sep 2026 10:36:02 -0400https://snlseason.cagps.edu.bd/what-is-the-maximum-short-term-capital-gains-tax.htmlhttps://snlseason.cagps.edu.bd/what-is-the-maximum-short-term-capital-gains-tax.htmlShort-term capital gains are taxed just like your ordinary income. That’s up to 37%, depending on your tax bracket. How do I calculate short-term capital gains? In case of short-term capital gain, capital gain = final sale price – (the cost of acquisition + house improvement cost + transfer cost). I...Thu, 24 Sep 2026 10:28:44 -0400https://snlseason.cagps.edu.bd/are-military-death-benefits-taxable.htmlhttps://snlseason.cagps.edu.bd/are-military-death-benefits-taxable.htmlSBP benefits are taxed as income to the survivor however the tax rate upon receipt of the annuity will generally be less than the member’s current tax rate. Most insurance plans are the reverse; premiums are paid from after-tax income, while survivors are not taxed on the proceeds. Is SGLI tax free?...Thu, 24 Sep 2026 10:25:24 -0400https://snlseason.cagps.edu.bd/can-eu-citizen-sponsor-family.htmlhttps://snlseason.cagps.edu.bd/can-eu-citizen-sponsor-family.htmlIf you’re an EU, EEA or Swiss citizen living in the UK, some of your family can also apply to come and live in the UK. They can apply for pre-settled or settled status from the EU Settlement Scheme if both: you have pre-settled or settled status. Can EU family member travel to Europe without visa? A...Thu, 24 Sep 2026 10:09:03 -0400https://snlseason.cagps.edu.bd/can-you-trade-forex-while-on-disability.htmlhttps://snlseason.cagps.edu.bd/can-you-trade-forex-while-on-disability.htmlIn general, the Social Security Administration (SSA) sets a limit on the amount of money one can earn through work when receiving SSDI benefits because if you can earn an income, you are not considered disabled. The good news is trading income is not considered “earned income”. Can someone on disabi...Thu, 24 Sep 2026 10:02:59 -0400https://snlseason.cagps.edu.bd/what-is-help-to-claim.htmlhttps://snlseason.cagps.edu.bd/what-is-help-to-claim.htmlHelp to Claim It’s a free, independent, confidential and impartial service provided by trained advisers from Citizens Advice. They can help with things like how to gather evidence for your application or how to prepare for your first Jobcentre appointment. How do I make an appointment with Citizens ...Thu, 24 Sep 2026 09:47:47 -0400https://snlseason.cagps.edu.bd/how-do-i-call-the-irs-from-germany.htmlhttps://snlseason.cagps.edu.bd/how-do-i-call-the-irs-from-germany.html800-829-4933 for business callers. 267-941-1000 for international callers or overseas taxpayers. What country abbreviation is Ric? RIC Acronym Definition RIC Russia, India, China RIC Roman Imperial Coinage RIC Routine Infant Circumcision RIC Resources Inventory Committee What country code is SZ? +26...Thu, 24 Sep 2026 09:10:56 -0400https://snlseason.cagps.edu.bd/how-long-is-a-us-citizen-allowed-to-be-out-of-the-country.htmlhttps://snlseason.cagps.edu.bd/how-long-is-a-us-citizen-allowed-to-be-out-of-the-country.htmlInternational Travel U.S. Immigration law assumes that a person admitted to the United States as an immigrant will live in the United States permanently. Remaining outside the United States for more than 12 months may result in a loss of lawful permanent resident status. Can I travel right after bec...Thu, 24 Sep 2026 09:07:54 -0400https://snlseason.cagps.edu.bd/what-was-the-gift-tax-in-1997.htmlhttps://snlseason.cagps.edu.bd/what-was-the-gift-tax-in-1997.htmlThe Tax Relief Act of 1997 (TRA97) expanded the annual gift tax exclusion of $10,000 and the $1,000,000 GSTT exemption by indexing them for inflation. It also expanded the unified credit in steps so as to exempt $1,000,000 in lifetime transfers by 2006. What was the estate tax exemption in 1997? Fed...Thu, 24 Sep 2026 08:04:30 -0400https://snlseason.cagps.edu.bd/what-means-vendor-pay.htmlhttps://snlseason.cagps.edu.bd/what-means-vendor-pay.htmlVendor payment means a money payment made on behalf of a participant directly to a provider of goods or services. What is the purpose of a vendor? What Is a Vendor? A vendor is a party in the supply chain that makes goods and services available to companies or consumers. The term “vendor” is typical...Thu, 24 Sep 2026 07:44:17 -0400https://snlseason.cagps.edu.bd/are-postal-workers-independent-contractors.htmlhttps://snlseason.cagps.edu.bd/are-postal-workers-independent-contractors.htmlThe U.S. Postal Service uses contracted delivery suppliers to support mail delivery needs and ensure it meets its universal service obligation. CDS suppliers1 are not Postal Service employees, but independent contractors who provide delivery service on specific routes not serviced by city or rural c...Thu, 24 Sep 2026 07:23:23 -0400https://snlseason.cagps.edu.bd/how-are-income-tax-percentages-calculated.htmlhttps://snlseason.cagps.edu.bd/how-are-income-tax-percentages-calculated.htmlFor example, if you are single and your taxable income was $50,000 in 2020, $9,875 will be taxed at 10%, income from $9,876 to $40,125 will be taxed at 12%, and the rest will be taxed at 22%. Your effective rate would be your total tax results divided by the taxable income of $50,000. What is the ta...Thu, 24 Sep 2026 07:13:55 -0400https://snlseason.cagps.edu.bd/can-i-work-full-time-at-72-and-collect-social-security.htmlhttps://snlseason.cagps.edu.bd/can-i-work-full-time-at-72-and-collect-social-security.htmlYou can take Social Security benefits while you’re still working. If you’re under your full retirement age, however, your benefits will be temporarily reduced. Once you reach full retirement age, there’s no limit on how much you can earn while collecting full benefits. You can get Social Security re...Thu, 24 Sep 2026 06:56:31 -0400https://snlseason.cagps.edu.bd/can-you-do-a-qcd-from-an-inherited-ira.htmlhttps://snlseason.cagps.edu.bd/can-you-do-a-qcd-from-an-inherited-ira.htmlTax reporting For Inherited IRAs or Inherited Roth IRAs, the QCD will be reported as a death distribution. Itemization is not required to make a QCD. While the QCD amount is not taxed, you may not then claim the distribution as a charitable tax deduction. A QCD is not subject to withholding. Can you...Thu, 24 Sep 2026 05:30:42 -0400https://snlseason.cagps.edu.bd/does-unemployment-go-by-gross-or-net-income.htmlhttps://snlseason.cagps.edu.bd/does-unemployment-go-by-gross-or-net-income.htmlThe level of unemployment benefits a worker is eligible to receive depends largely on that employee’s gross wages during the eligibility period. For a worker, a gross wage is simply everything earned during the period before the removal of taxes or any special payments. How do you calculate gross pa...Thu, 24 Sep 2026 05:20:21 -0400https://snlseason.cagps.edu.bd/how-can-i-track-my-tax-deposit.htmlhttps://snlseason.cagps.edu.bd/how-can-i-track-my-tax-deposit.htmlTaxpayers can track their refund using “Where’s My Refund?” on IRS.gov or by downloading the IRS2Go mobile app. “Where’s My Refund?” is updated once daily, usually overnight, so there’s no reason to check more than once per day or call the IRS to get information about a refund. How do you check if y...Thu, 24 Sep 2026 05:15:57 -0400https://snlseason.cagps.edu.bd/what-do-you-get-someone-diagnosed-with-lymphoma.htmlhttps://snlseason.cagps.edu.bd/what-do-you-get-someone-diagnosed-with-lymphoma.htmlTests and procedures used to diagnose lymphoma include: Physical exam. Your doctor checks for swollen lymph nodes, including in your neck, underarm and groin, as well as a swollen spleen or liver. Removing a lymph node for testing. Blood tests. Removing a sample of bone marrow for testing. Imagin...Thu, 24 Sep 2026 05:10:18 -0400https://snlseason.cagps.edu.bd/does-divorce-affect-joint-tenancy.htmlhttps://snlseason.cagps.edu.bd/does-divorce-affect-joint-tenancy.htmlDoes divorce sever a joint tenancy? Not directly. However, the courts will consider whether there is sufficient immediate intention to receive a specific share made by either party to the divorce proceedings. If the court believes there is such an intention then it will sever the tenancy during the ...Thu, 24 Sep 2026 04:48:04 -0400https://snlseason.cagps.edu.bd/is-a-joint-checking-account-community-property.htmlhttps://snlseason.cagps.edu.bd/is-a-joint-checking-account-community-property.htmlIn California, a joint checking account is considered a form of community property. Under state marriage laws, community property is defined as property that is owned by both spouses. So, even though Spouse A has deposited more money in the account than Spouse B, Spouse B will still receive half of ...Thu, 24 Sep 2026 04:04:11 -0400https://snlseason.cagps.edu.bd/how-do-i-track-related-party-transactions.htmlhttps://snlseason.cagps.edu.bd/how-do-i-track-related-party-transactions.htmlAudit procedures that target related-party transactions include 1) testing how related-party transactions are identified and coded in the company’s enterprise resource planning (ERP) system, 2) interviewing accounting personnel responsible for reporting related-party transactions in the company’s fi...Thu, 24 Sep 2026 03:58:19 -0400https://snlseason.cagps.edu.bd/what-if-fmv-is-lower-than-exercise-price.htmlhttps://snlseason.cagps.edu.bd/what-if-fmv-is-lower-than-exercise-price.htmlIf the exercise price is less than fair market value, the option most likely will violate the rules of Internal Revenue Code Section 409A. Can you issue options in the money? When the strike price is lower than the market price on the grant date, those options are in the money. This refers to the fa...Thu, 24 Sep 2026 03:56:49 -0400https://snlseason.cagps.edu.bd/do-you-have-to-pay-taxes-on-ira-distributions-in-2020.htmlhttps://snlseason.cagps.edu.bd/do-you-have-to-pay-taxes-on-ira-distributions-in-2020.htmlThe 10% early distribution tax (applicable to IRA owners under age 59 ½) is waived. You may choose to claim the entire amount distributed (up to $100,000) in your taxable income for 2020 or spread the distribution amount in three equal portions over your 2020, 2021, and 2022 tax years. Is all of my ...Thu, 24 Sep 2026 03:56:31 -0400https://snlseason.cagps.edu.bd/is-sealy-posturepedic-response-a-good-mattress.htmlhttps://snlseason.cagps.edu.bd/is-sealy-posturepedic-response-a-good-mattress.html24 in our Best Mattress rating, and the Sealy Response Performance, which places No. 25 out of 26 mattresses in our rating. The first three lines (Response, Conform, and Hybrid) come in good, better, and best levels that Sealy labels Essential, Performance, and Posturepedic Plus or Premium, dependin...Thu, 24 Sep 2026 03:56:31 -0400https://snlseason.cagps.edu.bd/how-much-can-a-40-year-old-contribute-to-an-ira.htmlhttps://snlseason.cagps.edu.bd/how-much-can-a-40-year-old-contribute-to-an-ira.htmlIRA contribution limits are raised every few years to keep up with inflation. For 2020 and 2021, individuals can set aside up to $6,000 per year; those 50 and older can save an additional $1,000. While anyone can contribute up to $6,000 (or $7,000 for individuals age 50 and older) to a traditional I...Thu, 24 Sep 2026 03:28:44 -0400https://snlseason.cagps.edu.bd/are-mortgage-principal-payments-tax-deductible.htmlhttps://snlseason.cagps.edu.bd/are-mortgage-principal-payments-tax-deductible.htmlPrincipal – No The principal is the total amount you borrow from the lender. It’s not deductible. The portion of your house payment that goes toward the principal is generally smaller during the first years of the mortgage term but increases as the term progresses. Can you write off mortgage payment...Thu, 24 Sep 2026 03:15:48 -0400https://snlseason.cagps.edu.bd/what-happens-if-form-16-is-not-filed.htmlhttps://snlseason.cagps.edu.bd/what-happens-if-form-16-is-not-filed.htmlIt is the obligation of the employer to provide a Form 16 to all employees. In the rare chance that your employer did not provide you with a Form 16 to you, don’t fear; you can still e-File your returns yourself. Your Form-16 is basically a TDS Certificate that lists your Taxable Income and TDS. Can...Thu, 24 Sep 2026 03:06:20 -0400https://snlseason.cagps.edu.bd/can-a-church-be-incorporated.htmlhttps://snlseason.cagps.edu.bd/can-a-church-be-incorporated.htmlThe process of incorporating your church is state-specific, although there are many commonalities across states. Most states allow churches to incorporate under the nonprofit corporations law as a nonprofit organization. What are articles of incorporation for a church? What Should Religious Corporat...Thu, 24 Sep 2026 03:04:50 -0400https://snlseason.cagps.edu.bd/can-clients-accept-gifts.htmlhttps://snlseason.cagps.edu.bd/can-clients-accept-gifts.htmlABA Comment [6] explains: [6] A lawyer may accept a gift from a client, if the transaction meets general standards of fairness. For example, a simple gift such as a present given at a holiday or as a token of appreciation is permitted. Thus, there is no prohibition in the rules on accepting a gift f...Thu, 24 Sep 2026 02:54:17 -0400https://snlseason.cagps.edu.bd/how-do-you-split-things-in-a-separation.htmlhttps://snlseason.cagps.edu.bd/how-do-you-split-things-in-a-separation.htmlCreate a List – each partner makes a list of items they think should be divided. Mark off what items you would like to keep. Disputed Items – if both of you want the same item(s), come up with a way to decide who gets what….Tips for Dividing All of Your Stuff Sold and profits split; Donated; Thrown ...Thu, 24 Sep 2026 02:52:30 -0400https://snlseason.cagps.edu.bd/what-is-section-125-discrimination-testing.htmlhttps://snlseason.cagps.edu.bd/what-is-section-125-discrimination-testing.htmlWhat is Section 125 Nondiscrimination Testing? Your plan allows employees to pay for their health care and dependent care expenses on a pre‐tax basis. In order for Highly Compensated and Key employees to receive these benefits, the plan must not discriminate in their favor. How does Premium Only pla...Thu, 24 Sep 2026 02:36:50 -0400https://snlseason.cagps.edu.bd/does-energy-saver-really-work-on-air-conditioner.htmlhttps://snlseason.cagps.edu.bd/does-energy-saver-really-work-on-air-conditioner.htmlEnergy saver helps reduce power consumption by automatically turning off the circulation fan as well as the exhaust fan when the compressor is off. The air conditioner will automatically cycle both fans on and off with the compressor as needed for cooling. How much does energy efficient AC Save? Ins...Thu, 24 Sep 2026 02:35:46 -0400https://snlseason.cagps.edu.bd/what-are-the-tax-advantages-of-an-llc-vs-sole-proprietorship.htmlhttps://snlseason.cagps.edu.bd/what-are-the-tax-advantages-of-an-llc-vs-sole-proprietorship.htmlFor 2019 tax purposes, both an LLC and a sole proprietorship can take advantage of new federal tax laws that allow for a pass-through deduction of up to 20% of all business income (for both LLCs and sole proprietorships), which represents a substantial tax break for U.S. small business owners. Does ...Thu, 24 Sep 2026 02:30:59 -0400https://snlseason.cagps.edu.bd/is-there-a-statute-of-limitations-on-wrongful-death-in-florida.htmlhttps://snlseason.cagps.edu.bd/is-there-a-statute-of-limitations-on-wrongful-death-in-florida.htmlUnder the 2019 Florida statutes, the statute of limitations for wrongful death is within two years of the date of death for most cases. How are wrongful death settlements paid out in Florida? Attorneys’ fees and other expenses of wrongful death litigation are paid by the personal representative and ...Thu, 24 Sep 2026 02:21:55 -0400https://snlseason.cagps.edu.bd/what-happens-when-a-life-insurance-policy-is-paid-in-full.htmlhttps://snlseason.cagps.edu.bd/what-happens-when-a-life-insurance-policy-is-paid-in-full.htmlPaid-up life insurance could be described as a life insurance policy that is paid in full, remains in force, and you don’t have to pay any more premiums. Premiums are level and the death benefit (the amount your beneficiaries receive upon your death) is guaranteed as long as you continue to pay the ...Thu, 24 Sep 2026 02:20:05 -0400https://snlseason.cagps.edu.bd/is-alpari-copy-trading-legit.htmlhttps://snlseason.cagps.edu.bd/is-alpari-copy-trading-legit.htmlAlpari is a broker that has been around for 20 years now. It has over 2 million clients worldwide of which about 150,000 of them are from Nigeria. Alpari is heavily regulated, it has 3 international licenses, and it’s the largest Meta Trader broker. Does Alpari accept US clients? No, Alpari does not...Thu, 24 Sep 2026 02:18:51 -0400https://snlseason.cagps.edu.bd/why-businesses-are-moving-to-florida.htmlhttps://snlseason.cagps.edu.bd/why-businesses-are-moving-to-florida.htmlMore and more workers are moving to Florida during the pandemic — and the sunny climate isn’t the only reason why. Top companies are opening new offices in the state, and the rise in remote working is giving staff more freedom to choose where they want to live. Is Miami a good place to start a busin...Thu, 24 Sep 2026 02:12:20 -0400https://snlseason.cagps.edu.bd/is-there-a-waiting-period-for-divorce-in-oregon.htmlhttps://snlseason.cagps.edu.bd/is-there-a-waiting-period-for-divorce-in-oregon.htmlOregon does not have a mandatory waiting period for divorces, so it is possible to end your marriage quickly. It generally takes several days to a few weeks for the court to process dissolution paperwork. How much does a divorce cost in Lane County Oregon? Filing fees for divorce in Lane County In L...Thu, 24 Sep 2026 02:04:57 -0400