https://deepsea.dgps.edu.bdShocking star updates with bold tabloid appeal.en-usFri, 25 Sep 2026 00:36:29 -0400https://deepsea.dgps.edu.bd/does-the-furnace-affect-the-water-heater.htmlhttps://deepsea.dgps.edu.bd/does-the-furnace-affect-the-water-heater.htmlIndirect. Indirect water heaters can be powered by gas, electric, oil, or propane, and operate like direct water heaters. However, instead of having a heating mechanism inside the tank, it uses the heat from your furnace or boiler. Your furnace or boiler will have a pipe attached to the water heater...Fri, 25 Sep 2026 04:20:26 -0400https://deepsea.dgps.edu.bd/what-are-some-investment-choices.htmlhttps://deepsea.dgps.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 04:19:42 -0400https://deepsea.dgps.edu.bd/can-you-buy-stock-cheaper-than-market-price.htmlhttps://deepsea.dgps.edu.bd/can-you-buy-stock-cheaper-than-market-price.htmlA seller can initiate a trade to sell their stock at the current bid price with the sale almost always taking place immediately once the trade is initiated. With patience, traders can buy and sell stocks for lower than the current market price making more money than he would otherwise receive at the...Fri, 25 Sep 2026 03:45:45 -0400https://deepsea.dgps.edu.bd/is-upholstery-a-profitable-business.htmlhttps://deepsea.dgps.edu.bd/is-upholstery-a-profitable-business.htmlAccording to IBISWorld, the United States’ furniture repair and upholstery industry has an annual revenue of $2 billion and is growing at a rate of 1.7 percent. Moreover, there are no businesses with a dominant market share. Can you make money reupholstering furniture? It’s absolutely possible to ma...Fri, 25 Sep 2026 03:42:06 -0400https://deepsea.dgps.edu.bd/how-do-you-respond-to-someone-who-just-got-divorced.htmlhttps://deepsea.dgps.edu.bd/how-do-you-respond-to-someone-who-just-got-divorced.htmlHow to Support a Friend Going Through a Divorce Keep inviting them out, even if they often decline. If they’re moving, help them pack. Just listen. However tempting, don’t trash their ex. Help out with partner-like things. Show up with a meal. Don’t press for details. Be accepting of their dating li...Fri, 25 Sep 2026 03:29:00 -0400https://deepsea.dgps.edu.bd/what-is-the-401k-compensation-limit-for-2020.htmlhttps://deepsea.dgps.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 03:28:33 -0400https://deepsea.dgps.edu.bd/what-is-the-owner-of-a-life-insurance-policy-called.htmlhttps://deepsea.dgps.edu.bd/what-is-the-owner-of-a-life-insurance-policy-called.htmlpolicyholder The policyholder: Person who owns the policy. The insured: Person whose life is insured. The beneficiary: Person who collects the death benefit when the insured person dies. Who is corporate agent in insurance? Corporate entities represent an insurance company and sell its policies. Usu...Fri, 25 Sep 2026 03:01:21 -0400https://deepsea.dgps.edu.bd/what-are-israel-bonds-paying.htmlhttps://deepsea.dgps.edu.bd/what-are-israel-bonds-paying.htmlInterest paid upon maturity. Mazel Tov Bonds – fixed rate 5-year bonds; $100 minimum investment and increments of $10, limited to $2500 per month for each purchaser and holder. Interest paid upon maturity. eMitzvah Bonds – fixed rate 5-year bonds; $36 minimum investment and increments of $18. Are St...Fri, 25 Sep 2026 02:25:53 -0400https://deepsea.dgps.edu.bd/can-i-take-a-partial-lump-sum-from-my-pension.htmlhttps://deepsea.dgps.edu.bd/can-i-take-a-partial-lump-sum-from-my-pension.htmlA Partial Lump Sum (PLS) distribution is a single payment equal to a percentage of the value of your pension benefit at retirement. The payment amount depends on your eligibility and the percentage you choose. If you choose to receive a PLS payment, your lifetime monthly benefit will be permanently ...Fri, 25 Sep 2026 02:11:07 -0400https://deepsea.dgps.edu.bd/what-upgrades-are-worth-it-in-a-new-build.htmlhttps://deepsea.dgps.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 02:05:52 -0400https://deepsea.dgps.edu.bd/are-marina-fees-tax-deductible.htmlhttps://deepsea.dgps.edu.bd/are-marina-fees-tax-deductible.htmlYes, your a portion of your boat registration fees are deductible if they are based on the boat’s value – not its age, size, or some other factor. You must itemize your deductions to claim it. Are houseboats tax deductible? At tax time the cost of mooring, fuel, crew (when used), insurance, legal fe...Fri, 25 Sep 2026 01:39:36 -0400https://deepsea.dgps.edu.bd/can-a-non-profit-create-a-scholarship.htmlhttps://deepsea.dgps.edu.bd/can-a-non-profit-create-a-scholarship.htmlA tax-exempt organization can be established for the purpose of offering scholarships, or an already- existing organization may decide to provide scholarships as one part of its charitable activities. Scholarship grant programs should be included in the narrative portion of the Form 1023 application...Fri, 25 Sep 2026 01:36:46 -0400https://deepsea.dgps.edu.bd/how-do-you-thank-your-parents-for-a-gift.htmlhttps://deepsea.dgps.edu.bd/how-do-you-thank-your-parents-for-a-gift.htmlThank you note to parents for a gift card Thank you so much for the generous gift card. What a treat! You can be sure that I’ll have a fun time spending it over the holidays. Wishing you all the blessings of the season. What to give your parents when you graduate? Presents for parents. The holiday s...Fri, 25 Sep 2026 01:36:04 -0400https://deepsea.dgps.edu.bd/can-my-employer-change-my-location-of-work.htmlhttps://deepsea.dgps.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 01:28:27 -0400https://deepsea.dgps.edu.bd/what-is-the-probate-limit-in-nevada.htmlhttps://deepsea.dgps.edu.bd/what-is-the-probate-limit-in-nevada.html$20,000 When should a Probate be opened? As soon as practical following the person’s death. In Nevada, if the total amount of the deceased person’s assets exceeds $20,000, or if real estate is involved, probate (or administration) will be required and there is normally no reason to delay starting th...Fri, 25 Sep 2026 01:24:35 -0400https://deepsea.dgps.edu.bd/how-long-do-you-have-to-live-in-ireland-before-you-can-get-a-mortgage.htmlhttps://deepsea.dgps.edu.bd/how-long-do-you-have-to-live-in-ireland-before-you-can-get-a-mortgage.htmlAfter moving to Ireland, you will usually need to be living here for at least 6 months and been in employment for at least 12 months before most lenders will consider you for a mortgage. It can sometimes be easier for an “ex-pat” to get a mortgage – ie. How do I get a mortgage with no deposit in Ire...Fri, 25 Sep 2026 01:20:46 -0400https://deepsea.dgps.edu.bd/how-do-you-make-good-stock-decisions.htmlhttps://deepsea.dgps.edu.bd/how-do-you-make-good-stock-decisions.html10 golden rules of investing in stock markets 10 golden rules of investing in stock markets. Avoid the herd mentality. Take informed decision. Invest in business you understand. Don’t try to time the market. Follow a disciplined investment approach. Do not let emotions cloud your judgement. C...Fri, 25 Sep 2026 01:20:36 -0400https://deepsea.dgps.edu.bd/what-are-lawyers-often-called.htmlhttps://deepsea.dgps.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 00:52:09 -0400https://deepsea.dgps.edu.bd/how-do-you-successfully-appeal-taxes.htmlhttps://deepsea.dgps.edu.bd/how-do-you-successfully-appeal-taxes.htmlHere’s how to appeal your property tax bill, step by step: Read Your Assessment Letter. Local governments periodically assess all the real estate they tax. Decide If a Property Tax Appeal Is Worth Your Time. Check the Data. Get the “Comps” Present Your Case. Appeal If You Don’t Like the Review. ...Fri, 25 Sep 2026 00:42:23 -0400https://deepsea.dgps.edu.bd/how-do-you-express-thanks-to-an-advisor.htmlhttps://deepsea.dgps.edu.bd/how-do-you-express-thanks-to-an-advisor.htmlI/we think that thanks in writing has more value than thanks just orally, so I often email him a brief, nice, exact thank-you message. In this case it’d probably be something like “Thank you very much for your help with my conference paper, I appreciate that a lot!” in reply to the last conference-r...Fri, 25 Sep 2026 00:22:53 -0400https://deepsea.dgps.edu.bd/can-capital-gains-be-offset-by-tax-credits.htmlhttps://deepsea.dgps.edu.bd/can-capital-gains-be-offset-by-tax-credits.htmlThe IRS allows tax write-offs to be utilized against active and passive income. Therefore, investors are able to offset their capital gains tax exposure with a tax write-off investment. Will capital gains affect my tax credits? The amount and type of income you (and your partner for a joint claim) h...Fri, 25 Sep 2026 00:22:33 -0400https://deepsea.dgps.edu.bd/is-sealy-posturepedic-response-a-good-mattress.htmlhttps://deepsea.dgps.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 23:52:24 -0400https://deepsea.dgps.edu.bd/how-much-does-it-cost-to-own-and-maintain-a-pool.htmlhttps://deepsea.dgps.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 23:06:47 -0400https://deepsea.dgps.edu.bd/who-leads-a-local-church.htmlhttps://deepsea.dgps.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 23:02:07 -0400https://deepsea.dgps.edu.bd/can-a-person-have-two-go-fund-me-accounts.htmlhttps://deepsea.dgps.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 22:57:18 -0400https://deepsea.dgps.edu.bd/is-401k-contribution-subject-to-fica-tax.htmlhttps://deepsea.dgps.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 22:24:39 -0400https://deepsea.dgps.edu.bd/when-renting-a-house-who-is-responsible-for-ac-repairs.htmlhttps://deepsea.dgps.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 22:03:37 -0400https://deepsea.dgps.edu.bd/how-can-i-track-my-tax-deposit.htmlhttps://deepsea.dgps.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 21:45:41 -0400https://deepsea.dgps.edu.bd/how-do-you-get-the-best-price-to-sell-jewelry.htmlhttps://deepsea.dgps.edu.bd/how-do-you-get-the-best-price-to-sell-jewelry.htmlSelling your jewelry in person to a local shop may still be the best way to get the most money out of it. Here, too, you have lots of options, including coin shops, pawnshops, consignment shops and jewelers. The American Gem Society provides a list of local jewelers who buy jewelry. Who sells the be...Thu, 24 Sep 2026 21:39:23 -0400https://deepsea.dgps.edu.bd/what-is-section-125-discrimination-testing.htmlhttps://deepsea.dgps.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 21:33:00 -0400https://deepsea.dgps.edu.bd/do-you-pay-taxes-on-short-term-trades.htmlhttps://deepsea.dgps.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 20:38:56 -0400https://deepsea.dgps.edu.bd/is-there-a-statute-of-limitations-on-wrongful-death-in-florida.htmlhttps://deepsea.dgps.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 20:36:23 -0400https://deepsea.dgps.edu.bd/can-clients-accept-gifts.htmlhttps://deepsea.dgps.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 20:24:56 -0400https://deepsea.dgps.edu.bd/how-much-do-architects-make-if-they-own-their-own-business.htmlhttps://deepsea.dgps.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 19:51:38 -0400https://deepsea.dgps.edu.bd/how-much-do-timeshare-sales-make.htmlhttps://deepsea.dgps.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 19:37:14 -0400https://deepsea.dgps.edu.bd/is-alpari-copy-trading-legit.htmlhttps://deepsea.dgps.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 19:36:35 -0400https://deepsea.dgps.edu.bd/what-is-help-to-claim.htmlhttps://deepsea.dgps.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 19:15:59 -0400https://deepsea.dgps.edu.bd/who-fills-out-the-final-decree-of-divorce.htmlhttps://deepsea.dgps.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 18:48:24 -0400https://deepsea.dgps.edu.bd/does-agent-orange-affect-the-lungs.htmlhttps://deepsea.dgps.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 18:36:57 -0400https://deepsea.dgps.edu.bd/can-assets-be-gifted.htmlhttps://deepsea.dgps.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 18:33:36 -0400https://deepsea.dgps.edu.bd/are-postal-workers-independent-contractors.htmlhttps://deepsea.dgps.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 18:12:34 -0400https://deepsea.dgps.edu.bd/what-is-a-toxic-older-sister.htmlhttps://deepsea.dgps.edu.bd/what-is-a-toxic-older-sister.html“[It’s toxic] when your sibling is highly judgmental and overly critical of you,” says family counselor Christene Lozano, L.M.F.T.. “You may often feel as though you can’t do anything right because your sibling will ‘nitpick’ and find ‘flaws’ in you.” Toxic siblings tend to take, and take, and take,...Thu, 24 Sep 2026 18:09:48 -0400https://deepsea.dgps.edu.bd/do-you-have-to-pay-taxes-on-ira-distributions-in-2020.htmlhttps://deepsea.dgps.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 18:07:21 -0400https://deepsea.dgps.edu.bd/do-you-have-to-pay-taxes-if-you-trade-vehicles.htmlhttps://deepsea.dgps.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 17:53:14 -0400https://deepsea.dgps.edu.bd/does-unemployment-go-by-gross-or-net-income.htmlhttps://deepsea.dgps.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 17:52:16 -0400https://deepsea.dgps.edu.bd/do-you-get-taxed-based-on-where-you-work-or-live.htmlhttps://deepsea.dgps.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 17:42:19 -0400https://deepsea.dgps.edu.bd/where-can-i-find-information-about-special-use-airspace.htmlhttps://deepsea.dgps.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 17:28:01 -0400https://deepsea.dgps.edu.bd/what-category-is-hurricane-ike.htmlhttps://deepsea.dgps.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 17:09:04 -0400https://deepsea.dgps.edu.bd/do-software-companies-need-patents.htmlhttps://deepsea.dgps.edu.bd/do-software-companies-need-patents.htmlSOFTWARE DOESN’T REQUIRE A HIGH R&D INVESTMENT And because patents exclude competing products from the market for up to 20 years, they’re essential for recouping high R&D investment. But many types of software don’t require the same level of R&D commitment as many other fields of technol...Thu, 24 Sep 2026 17:04:49 -0400https://deepsea.dgps.edu.bd/how-do-you-split-things-in-a-separation.htmlhttps://deepsea.dgps.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 16:53:11 -0400https://deepsea.dgps.edu.bd/is-it-illegal-to-sell-cars-from-a-residential-address.htmlhttps://deepsea.dgps.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 16:51:47 -0400https://deepsea.dgps.edu.bd/what-is-the-purpose-of-the-nes.htmlhttps://deepsea.dgps.edu.bd/what-is-the-purpose-of-the-nes.htmlThe National Employment Standards (NES) are 11 minimum employment entitlements that have to be provided to all employees. The national minimum wage and the NES make up the minimum entitlements for employees in Australia. What is the main role of the Fair Work Commission? The Fair Work Commission The...Thu, 24 Sep 2026 15:59:24 -0400https://deepsea.dgps.edu.bd/how-do-i-file-mo-ptc.htmlhttps://deepsea.dgps.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 15:52:25 -0400https://deepsea.dgps.edu.bd/how-do-i-call-the-irs-from-germany.htmlhttps://deepsea.dgps.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 15:42:51 -0400https://deepsea.dgps.edu.bd/what-if-fmv-is-lower-than-exercise-price.htmlhttps://deepsea.dgps.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 15:35:20 -0400https://deepsea.dgps.edu.bd/can-you-be-a-part-time-writer.htmlhttps://deepsea.dgps.edu.bd/can-you-be-a-part-time-writer.htmlWorking in a stable job (or starting freelancing part-time) allows you to establish yourself. And if you’re parenting or studying, considering part-time freelance writing means you can beaver away at your side hustle without any real pressure. How much do part time content writers make? While ZipRec...Thu, 24 Sep 2026 15:33:31 -0400https://deepsea.dgps.edu.bd/what-happens-if-form-16-is-not-filed.htmlhttps://deepsea.dgps.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 15:28:14 -0400https://deepsea.dgps.edu.bd/what-does-the-irs-stand-for-what-is-their-main-purpose.htmlhttps://deepsea.dgps.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 15:18:34 -0400https://deepsea.dgps.edu.bd/how-much-do-owner-operators-bring-home.htmlhttps://deepsea.dgps.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 14:44:14 -0400https://deepsea.dgps.edu.bd/what-is-the-average-carrying-costs-for-a-car-dealership.htmlhttps://deepsea.dgps.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 14:27:36 -0400https://deepsea.dgps.edu.bd/what-are-the-things-to-consider-when-deciding-to-work-abroad.htmlhttps://deepsea.dgps.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 14:24:24 -0400https://deepsea.dgps.edu.bd/what-happens-when-a-life-insurance-policy-is-paid-in-full.htmlhttps://deepsea.dgps.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 13:53:34 -0400https://deepsea.dgps.edu.bd/can-you-sell-in-a-deceased-account.htmlhttps://deepsea.dgps.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 13:50:57 -0400https://deepsea.dgps.edu.bd/is-food-going-taxable-in-ohio.htmlhttps://deepsea.dgps.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 13:29:46 -0400https://deepsea.dgps.edu.bd/how-many-medical-students-graduated-in-2020.htmlhttps://deepsea.dgps.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 13:08:52 -0400https://deepsea.dgps.edu.bd/what-is-the-maximum-short-term-capital-gains-tax.htmlhttps://deepsea.dgps.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 13:07:15 -0400https://deepsea.dgps.edu.bd/can-multiple-businesses-operate-under-one-llc.htmlhttps://deepsea.dgps.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 12:48:44 -0400https://deepsea.dgps.edu.bd/what-are-the-chances-of-winning-a-sweepstakes.htmlhttps://deepsea.dgps.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 12:29:40 -0400https://deepsea.dgps.edu.bd/does-social-security-disability-count-as-income-for-va-pension.htmlhttps://deepsea.dgps.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 12:09:27 -0400https://deepsea.dgps.edu.bd/what-time-do-banks-close-in-israel.htmlhttps://deepsea.dgps.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 11:49:19 -0400https://deepsea.dgps.edu.bd/what-means-vendor-pay.htmlhttps://deepsea.dgps.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 11:29:06 -0400https://deepsea.dgps.edu.bd/does-irs-check-tax-returns.htmlhttps://deepsea.dgps.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 11:26:38 -0400https://deepsea.dgps.edu.bd/should-i-sell-my-car-for-a-house-deposit.htmlhttps://deepsea.dgps.edu.bd/should-i-sell-my-car-for-a-house-deposit.htmlUsually no problem so long as the property proceeds aren’t under charge by someone else. Obviously they must be clear funds at the time of completion. Other assets such as cars, boats, valuable memorabilia, artwork, or just about anything legal that is to be sold, should be fine to use as deposit wi...Thu, 24 Sep 2026 11:04:43 -0400https://deepsea.dgps.edu.bd/how-long-is-a-us-citizen-allowed-to-be-out-of-the-country.htmlhttps://deepsea.dgps.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 11:02:03 -0400https://deepsea.dgps.edu.bd/can-you-put-headlights-on-a-golf-cart.htmlhttps://deepsea.dgps.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 10:47:34 -0400https://deepsea.dgps.edu.bd/how-do-i-know-if-i-itemize-or-take-standard-deduction-last-year.htmlhttps://deepsea.dgps.edu.bd/how-do-i-know-if-i-itemize-or-take-standard-deduction-last-year.htmlDid I itemize last year? If the amount on Line 9 of last year’s Form 1040 ends with a number other than 0, you itemized. If this amount ends with 0, it’s likely you took the Standard Deduction. If this amount ends with 00 or 50, you probably took the Standard Deduction. If your return included Sched...Thu, 24 Sep 2026 10:40:08 -0400https://deepsea.dgps.edu.bd/can-eu-citizen-sponsor-family.htmlhttps://deepsea.dgps.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 10:24:56 -0400https://deepsea.dgps.edu.bd/are-employee-stock-options-considered-earned-income.htmlhttps://deepsea.dgps.edu.bd/are-employee-stock-options-considered-earned-income.htmlStatutory Stock Options You have taxable income or deductible loss when you sell the stock you bought by exercising the option. You generally treat this amount as a capital gain or loss. However, if you don’t meet special holding period requirements, you’ll have to treat income from the sale as ordi...Thu, 24 Sep 2026 10:18:10 -0400https://deepsea.dgps.edu.bd/is-a-joint-checking-account-community-property.htmlhttps://deepsea.dgps.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 09:51:46 -0400https://deepsea.dgps.edu.bd/what-is-the-sales-tax-on-an-rv-in-arizona.htmlhttps://deepsea.dgps.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 09:41:47 -0400https://deepsea.dgps.edu.bd/when-you-sell-a-stock-when-do-you-pay-taxes.htmlhttps://deepsea.dgps.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 09:32:46 -0400https://deepsea.dgps.edu.bd/what-do-you-get-someone-diagnosed-with-lymphoma.htmlhttps://deepsea.dgps.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 09:19:13 -0400https://deepsea.dgps.edu.bd/are-mortgage-principal-payments-tax-deductible.htmlhttps://deepsea.dgps.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 09:00:54 -0400https://deepsea.dgps.edu.bd/who-is-fbar-filed-with.htmlhttps://deepsea.dgps.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 08:56:40 -0400https://deepsea.dgps.edu.bd/can-i-claim-my-daughter-as-a-dependent-if-she-is-24.htmlhttps://deepsea.dgps.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 08:25:49 -0400https://deepsea.dgps.edu.bd/does-divorce-affect-joint-tenancy.htmlhttps://deepsea.dgps.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 08:15:54 -0400https://deepsea.dgps.edu.bd/is-tucson-az-a-good-place-to-invest-in-real-estate.htmlhttps://deepsea.dgps.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 08:07:54 -0400https://deepsea.dgps.edu.bd/can-you-trade-forex-while-on-disability.htmlhttps://deepsea.dgps.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 08:01:31 -0400https://deepsea.dgps.edu.bd/what-is-the-fastest-way-to-start-a-business.htmlhttps://deepsea.dgps.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 07:30:17 -0400https://deepsea.dgps.edu.bd/how-do-you-use-continuing-education-in-a-sentence.htmlhttps://deepsea.dgps.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 07:26:07 -0400https://deepsea.dgps.edu.bd/what-makes-you-a-good-fit-for-this-job-receptionist.htmlhttps://deepsea.dgps.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 06:57:03 -0400https://deepsea.dgps.edu.bd/what-are-the-benefits-of-investing-in-land.htmlhttps://deepsea.dgps.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 06:55:53 -0400https://deepsea.dgps.edu.bd/how-do-you-fill-out-a-quit-claim-deed-in-georgia.htmlhttps://deepsea.dgps.edu.bd/how-do-you-fill-out-a-quit-claim-deed-in-georgia.htmlTo complete a quitclaim deed in Georgia, complete the following steps: Step 1: Download the GA quitclaim deed form. Step 2: Fill out the form. Step 3: Write the delivery address. Step 4: Write the preparer’s contact information. Step 5: Get the necessary signatures. Step 6: Pay the deed transfe...Thu, 24 Sep 2026 06:22:55 -0400https://deepsea.dgps.edu.bd/how-do-i-track-related-party-transactions.htmlhttps://deepsea.dgps.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 06:10:27 -0400https://deepsea.dgps.edu.bd/how-much-tax-will-my-ltd-company-pay.htmlhttps://deepsea.dgps.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 06:04:24 -0400https://deepsea.dgps.edu.bd/what-are-the-tax-advantages-of-an-llc-vs-sole-proprietorship.htmlhttps://deepsea.dgps.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 05:59:36 -0400https://deepsea.dgps.edu.bd/can-the-irs-get-you-in-canada.htmlhttps://deepsea.dgps.edu.bd/can-the-irs-get-you-in-canada.htmlOverly simplified, a foreign creditor such as the IRS has to get the permission of a Canadian court before it can enforce a foreign judgment against assets in Canada. In a 1967 case called United States v. Harden, the Supreme Court of Canada ruled that Canadian courts will not enforce judgements for...Thu, 24 Sep 2026 05:37:18 -0400https://deepsea.dgps.edu.bd/can-a-church-be-incorporated.htmlhttps://deepsea.dgps.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 05:34:24 -0400https://deepsea.dgps.edu.bd/how-much-can-a-40-year-old-contribute-to-an-ira.htmlhttps://deepsea.dgps.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 05:27:19 -0400https://deepsea.dgps.edu.bd/why-businesses-are-moving-to-florida.htmlhttps://deepsea.dgps.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 05:16:22 -0400